我国商业银行发展困境及其转型路径研究

我国商业银行发展困境及其转型路径研究一、本文概述Overviewofthisarticle随着全球经济的不断发展和金融市场的日益深化，商业银行在金融体系中的地位日益凸显。然而，在我国，商业银行在近年来面临着诸多发展困境，如市场竞争加剧、资产质量下降、盈利能力减弱等。这些困境不仅对商业银行的稳健运营构成了威胁，也影响了我国金融体系的整体稳定和发展。因此，深入研究我国商业银行的发展困境及其转型路径，对于推动商业银行的可持续发展和我国金融体系的完善具有重要意义。Withthecontinuousdevelopmentoftheglobaleconomyandthedeepeningoffinancialmarkets,thepositionofcommercialbanksinthefinancialsystemisbecomingincreasinglyprominent.However,inChina,commercialbankshavefacedmanydevelopmentdifficultiesinrecentyears,suchasintensifiedmarketcompetition,decliningassetquality,andweakenedprofitability.Thesedifficultiesnotonlyposeathreattothestableoperationofcommercialbanks,butalsoaffecttheoverallstabilityanddevelopmentofChina'sfinancialsystem.Therefore,in-depthresearchonthedevelopmentdifficultiesandtransformationpathsofcommercialbanksinChinaisofgreatsignificanceforpromotingthesustainabledevelopmentofcommercialbanksandtheimprovementofChina'sfinancialsystem.本文首先对我国商业银行当前面临的主要困境进行了梳理和分析，包括市场竞争加剧、资产质量下降、盈利能力减弱、风险防控压力增大等方面。在此基础上，文章进一步探讨了这些困境产生的深层次原因，如经济结构调整、金融市场开放、监管政策变化等。ThisarticlefirstsortsoutandanalyzesthemaindifficultiescurrentlyfacedbycommercialbanksinChina,includingintensifiedmarketcompetition,decliningassetquality,weakenedprofitability,andincreasedpressureonriskpreventionandcontrol.Onthisbasis,thearticlefurtherexplorestheunderlyingreasonsforthesedifficulties,suchaseconomicrestructuring,financialmarketopening,andchangesinregulatorypolicies.随后，文章重点研究了我国商业银行的转型路径。结合国内外商业银行转型的成功案例和经验教训，文章提出了我国商业银行转型的方向和策略，包括加强风险管理、优化业务结构、提升服务水平、推进科技创新等。文章还就如何构建适应新时代要求的商业银行经营模式进行了探讨，以期为商业银行的转型发展提供有益参考。Subsequently,thearticlefocusedonthetransformationpathofcommercialbanksinChina.Basedonsuccessfulcasesandlessonslearnedfromthetransformationofcommercialbanksbothdomesticallyandinternationally,thisarticleproposesthedirectionandstrategiesforthetransformationofcommercialbanksinChina,includingstrengtheningriskmanagement,optimizingbusinessstructure,improvingservicelevels,andpromotingtechnologicalinnovation.Thearticlealsoexploreshowtobuildabusinessmodelforcommercialbanksthatmeetstherequirementsofthenewera,inordertoprovideusefulreferencesforthetransformationanddevelopmentofcommercialbanks.文章对商业银行转型的未来趋势进行了展望，并指出了商业银行在转型过程中需要注意的问题和面临的挑战。通过本文的研究，旨在为我国商业银行的转型发展提供理论支持和实践指导，推动商业银行实现高质量发展，为我国金融体系的稳定和发展做出积极贡献。Thearticleprovidesanoutlookonthefuturetrendsofcommercialbanktransformationandpointsouttheissuesandchallengesthatcommercialbanksneedtopayattentiontoduringthetransformationprocess.Throughthisstudy,theaimistoprovidetheoreticalsupportandpracticalguidanceforthetransformationanddevelopmentofcommercialbanksinChina,promotehigh-qualitydevelopmentofcommercialbanks,andmakepositivecontributionstothestabilityanddevelopmentofChina'sfinancialsystem.二、我国商业银行发展现状分析AnalysisoftheCurrentDevelopmentStatusofCommercialBanksinChina近年来，我国商业银行在金融市场中的地位逐渐稳固，成为支持国家经济发展的重要力量。然而，随着全球经济环境的不断变化以及国内经济结构的深度调整，我国商业银行也面临着一系列的发展困境。Inrecentyears,China'scommercialbankshavegraduallystabilizedtheirpositioninthefinancialmarketandbecomeanimportantforcesupportingthecountry'seconomicdevelopment.However,withthecontinuouschangesintheglobaleconomicenvironmentandthedeepadjustmentofdomesticeconomicstructure,commercialbanksinChinaarealsofacingaseriesofdevelopmentdifficulties.从业务结构来看，我国商业银行主要依赖于传统的存贷款业务，利息收入占比较大。这种业务模式在利率市场化改革的背景下，受到了严重的挑战。随着市场利率的波动，银行的净息差收窄，影响了银行的盈利能力。随着金融科技的快速发展，互联网金融、影子银行等非传统金融机构逐渐崭露头角，对传统银行的业务形成了强烈的冲击。Fromtheperspectiveofbusinessstructure,commercialbanksinChinamainlyrelyontraditionaldepositandloanbusinesses,withinterestincomeaccountingforarelativelylargeproportion.Thisbusinessmodelhasfacedseriouschallengesinthecontextofinterestrateliberalizationreform.Withthefluctuationofmarketinterestrates,thenetinterestmarginofbanksnarrows,affectingtheirprofitability.Withtherapiddevelopmentoffinancialtechnology,non-traditionalfinancialinstitutionssuchasInternetfinanceandshadowbankingaregraduallyemerging,whichhasastrongimpactonthebusinessoftraditionalbanks.从资产质量来看，我国商业银行面临着不良贷款率上升、资产损失加大等问题。这主要是由于部分行业产能过剩、房地产市场波动等原因导致的。不良贷款的积累不仅加大了银行的运营风险，也影响了银行的资本充足率，限制了银行的业务拓展能力。Fromtheperspectiveofassetquality,commercialbanksinChinaarefacingproblemssuchasanincreaseinnon-performingloanratiosandincreasedassetlosses.Thisismainlyduetoovercapacityinsomeindustriesandfluctuationsintherealestatemarket.Theaccumulationofnon-performingloansnotonlyincreasestheoperationalriskofbanks,butalsoaffectstheircapitaladequacyratioandlimitstheirbusinessexpansionability.从监管环境来看，随着金融监管的日益严格，商业银行在合规经营、风险管理等方面也面临着更大的压力。监管政策的不断调整，要求银行加强内部控制，提高风险管理水平，这无疑增加了银行的运营成本。Fromtheperspectiveofregulatoryenvironment,withtheincreasinglystrictfinancialregulation,commercialbanksarealsofacinggreaterpressureincomplianceoperations,riskmanagement,andotheraspects.Thecontinuousadjustmentofregulatorypoliciesrequiresbankstostrengtheninternalcontrolsandimproveriskmanagementlevels,whichundoubtedlyincreasestheoperatingcostsofbanks.我国商业银行在发展中面临着业务模式单资产质量下降、监管压力加大等多重困境。为了应对这些挑战，商业银行需要积极探索转型路径，优化业务结构，提高风险管理能力，以适应不断变化的市场环境。CommercialbanksinChinaarefacingmultiplechallengesintheirdevelopment,includingadeclineinthequalityofsingleassetsintheirbusinessmodelsandincreasedregulatorypressure.Inordertoaddressthesechallenges,commercialbanksneedtoactivelyexploretransformationpaths,optimizebusinessstructures,improveriskmanagementcapabilities,andadapttotheconstantlychangingmarketenvironment.三、商业银行发展困境识别IdentificationofDevelopmentDilemmasinCommercialBanks近年来，随着国内外经济环境的变化，我国商业银行面临着越来越多的发展困境。这些困境不仅影响银行的盈利能力，还对其风险管理和可持续发展构成挑战。本节将对我国商业银行面临的主要困境进行深入分析。Inrecentyears,withthechangesinthedomesticandinternationaleconomicenvironment,commercialbanksinChinaarefacingmoreandmoredevelopmentdifficulties.Thesedifficultiesnotonlyaffecttheprofitabilityofbanks,butalsoposechallengestotheirriskmanagementandsustainabledevelopment.Thissectionwillprovideanin-depthanalysisofthemainchallengesfacedbycommercialbanksinChina.市场竞争加剧是商业银行面临的重要困境之一。随着金融市场的开放和外资银行的进入，国内银行业的竞争愈发激烈。为了争夺市场份额，银行不得不降低贷款利率、提高存款利率，导致息差收窄，影响盈利能力。互联网金融的兴起也对传统银行业造成冲击，部分互联网金融产品具有更高的灵活性和收益率，吸引了大量客户资金，使得商业银行的存款规模受到挤压。Theintensificationofmarketcompetitionisoneoftheimportantchallengesfacedbycommercialbanks.Withtheopeningoffinancialmarketsandtheentryofforeignbanks,thecompetitioninthedomesticbankingindustryhasbecomeincreasinglyfierce.Inordertocompeteformarketshare,bankshavetolowerloaninterestratesandincreasedepositinterestrates,resultinginnarrowerinterestratespreadsandaffectingprofitability.TheriseofInternetfinancealsohasanimpactonthetraditionalbankingindustry.SomeInternetfinancialproductshavehigherflexibilityandyield,attractingalargenumberofcustomerfunds,squeezingthedepositscaleofcommercialbanks.资产质量下降是商业银行面临的另一大困境。受经济下行、产业结构调整等因素影响，部分企业经营困难，债务违约事件频发。商业银行作为主要的信贷机构，不可避免地承担了部分信用风险。这些不良贷款的积累不仅增加了银行的风险敞口，还导致资产质量下降，影响银行的盈利能力和稳健运营。Thedeclineinassetqualityisanothermajorchallengefacedbycommercialbanks.Affectedbyfactorssuchaseconomicdownturnandindustrialrestructuring,someenterprisesarefacingoperationaldifficultiesandfrequentdebtdefaultevents.Asthemaincreditinstitution,commercialbanksinevitablybearsomecreditrisks.Theaccumulationofthesenon-performingloansnotonlyincreasesthebank'sriskexposure,butalsoleadstoadeclineinassetquality,affectingthebank'sprofitabilityandstableoperation.再者，监管政策的变化也给商业银行带来了不小的挑战。为了防范金融风险、维护金融稳定，监管部门对商业银行的资本充足率、流动性、风险管理等方面提出了更高要求。这些监管政策的调整使得商业银行在业务开展和风险管理上面临更大的压力。同时，随着监管力度的加强，商业银行的违规行为也面临着更严厉的处罚，给银行的声誉和形象带来负面影响。Furthermore,changesinregulatorypolicieshavebroughtsignificantchallengestocommercialbanks.Inordertopreventfinancialrisksandmaintainfinancialstability,regulatoryauthoritieshaveputforwardhigherrequirementsforthecapitaladequacyratio,liquidity,riskmanagement,andotheraspectsofcommercialbanks.Theadjustmentoftheseregulatorypolicieshasputgreaterpressureoncommercialbanksintheirbusinessoperationsandriskmanagement.Meanwhile,withthestrengtheningofregulatoryefforts,commercialbanksarealsofacingstricterpenaltiesfortheirviolations,whichhaveanegativeimpactontheirreputationandimage.人才流失和技术落后也是商业银行面临的重要困境。随着金融科技的快速发展，银行业对人才的需求越来越迫切。然而，由于部分商业银行在人才培养和激励机制方面存在不足，导致人才流失严重。部分银行在技术创新和应用方面相对滞后，难以适应金融科技快速发展的趋势。这不仅影响了银行的业务创新和服务质量，还对其在竞争激烈的市场中保持领先地位构成了威胁。Talentlossandtechnologicalbackwardnessarealsoimportantchallengesfacedbycommercialbanks.Withtherapiddevelopmentoffinancialtechnology,thedemandfortalentinthebankingindustryisbecomingincreasinglyurgent.However,duetoinsufficienttalentcultivationandincentivemechanismsinsomecommercialbanks,therehasbeenaseriouslossoftalent.Somebanksarerelativelylaggingbehindintechnologicalinnovationandapplication,makingitdifficulttoadapttotherapiddevelopmenttrendoffinancialtechnology.Thisnotonlyaffectsthebusinessinnovationandservicequalityofbanks,butalsoposesathreattotheirleadingpositioninthefiercelycompetitivemarket.我国商业银行面临着市场竞争加剧、资产质量下降、监管政策变化以及人才流失和技术落后等多重困境。为了应对这些挑战，商业银行需要积极寻求转型路径，提升自身竞争力，实现可持续发展。CommercialbanksinChinaarefacingmultiplechallenges,includingintensifiedmarketcompetition,decliningassetquality,changesinregulatorypolicies,talentloss,andtechnologicalbackwardness.Inordertoaddressthesechallenges,commercialbanksneedtoactivelyseektransformationpaths,enhancetheircompetitiveness,andachievesustainabledevelopment.四、商业银行转型的必要性与可行性分析Thenecessityandfeasibilityanalysisofthetransformationofcommercialbanks经济环境变化的挑战：随着全球化和金融科技的发展，我国商业银行面临着前所未有的竞争压力。传统银行业务模式已经无法满足客户日益多元化的需求，尤其是在互联网金融、移动支付等领域的冲击下，商业银行亟需转型以适应新的市场环境。Thechallengeofeconomicenvironmentchanges:Withthedevelopmentofglobalizationandfinancialtechnology,commercialbanksinChinaarefacingunprecedentedcompetitivepressure.Thetraditionalbankingbusinessmodelhasbeenunabletomeettheincreasinglydiversifiedneedsofcustomers,especiallyundertheimpactofInternetfinance,mobilepaymentandotherfields,commercialbanksurgentlyneedtotransformtoadapttothenewmarketenvironment.监管政策的引导：近年来，政府对于金融行业的监管日益严格，特别是在资本充足率、风险管理、信息披露等方面提出了更高要求。商业银行需要通过转型来适应监管政策的变化，确保稳健经营。Guidanceofregulatorypolicies:Inrecentyears,thegovernmenthasbecomeincreasinglystrictinregulatingthefinancialindustry,especiallyinareassuchascapitaladequacyratio,riskmanagement,andinformationdisclosure.Commercialbanksneedtoadapttochangesinregulatorypoliciesthroughtransformationtoensurestableoperations.技术进步的推动：大数据、云计算、人工智能等技术的快速发展为商业银行提供了转型的技术支持。通过运用这些先进技术，商业银行可以提高业务效率、降低运营成本，并为客户提供更加个性化的服务。Thepromotionoftechnologicalprogress:Therapiddevelopmentoftechnologiessuchasbigdata,cloudcomputing,andartificialintelligencehasprovidedtechnicalsupportforthetransformationofcommercialbanks.Byutilizingtheseadvancedtechnologies,commercialbankscanimprovebusinessefficiency,reduceoperatingcosts,andprovidecustomerswithmorepersonalizedservices.技术基础的积累：经过多年的发展，我国商业银行已经积累了丰富的技术基础，包括IT系统建设、数据资源积累等。这些技术基础为商业银行的转型提供了有力支撑。Accumulationoftechnicalfoundation:Afteryearsofdevelopment,commercialbanksinChinahaveaccumulatedarichtechnicalfoundation,includingITsystemconstructionanddataresourceaccumulation.Thesetechnologicalfoundationsprovidestrongsupportforthetransformationofcommercialbanks.人才储备的增强：随着金融科技的兴起，商业银行逐渐加大了对金融科技人才的培养和引进力度。目前，许多商业银行已经拥有了一支具备金融科技知识和实践经验的专业团队，为转型提供了人才保障。Theenhancementoftalentreserves:Withtheriseoffintech,commercialbankshavegraduallyincreasedtheireffortsincultivatingandintroducingfintechtalents.Atpresent,manycommercialbankshaveaprofessionalteamwithfinancialtechnologyknowledgeandpracticalexperience,providingtalentsupportfortransformation.市场需求的引导：随着经济的发展和居民财富的增加，客户对金融服务的需求也在不断变化。商业银行通过转型可以更好地满足市场需求，提升客户满意度，从而增强市场竞争力。Marketdemandguidance:Withthedevelopmentoftheeconomyandtheincreaseofresidents'wealth,customers'demandforfinancialservicesisalsoconstantlychanging.Commercialbankscanbettermeetmarketdemand,improvecustomersatisfaction,andenhancemarketcompetitivenessthroughtransformation.我国商业银行转型既是应对外部挑战的必然选择，也是实现可持续发展的内在要求。在技术基础、人才储备和市场需求的共同推动下，商业银行转型具有现实的可行性。通过转型，商业银行可以更好地适应市场环境的变化，提升服务质量和效率，实现持续稳健的发展。Thetransformationofcommercialbanksinourcountryisnotonlyaninevitablechoicetoaddressexternalchallenges,butalsoaninherentrequirementforachievingsustainabledevelopment.Underthejointpromotionoftechnologicalfoundation,talentreserve,andmarketdemand,thetransformationofcommercialbankshaspracticalfeasibility.Throughtransformation,commercialbankscanbetteradapttochangesinthemarketenvironment,improveservicequalityandefficiency,andachievesustainedandstabledevelopment.五、商业银行转型路径与策略TheTransformationPathandStrategyofCommercialBanks面对当前的发展困境，我国商业银行亟需探索转型路径与策略，以适应新的经济形势和市场需求。商业银行的转型不仅涉及到业务模式的调整，还包括组织架构、风险管理、科技创新等多个方面的全面改革。Facedwiththecurrentdevelopmentdifficulties,Chinesecommercialbanksurgentlyneedtoexploretransformationpathsandstrategiestoadapttotheneweconomicsituationandmarketdemand.Thetransformationofcommercialbanksnotonlyinvolvestheadjustmentofbusinessmodels,butalsocomprehensivereformsinvariousaspectssuchasorganizationalstructure,riskmanagement,andtechnologicalinnovation.在业务模式转型方面，商业银行应逐步减少对息差及资本的过度依赖，增加非利息收入比重。这包括加大对财富管理、资产管理等业务的投入，提升金融服务的综合化、多元化水平。同时，要深化金融科技应用，利用大数据、人工智能等技术手段提升服务效率和客户体验。Intermsofbusinessmodeltransformation,commercialbanksshouldgraduallyreducetheirexcessiverelianceoninterestratespreadsandcapital,andincreasetheproportionofnoninterestincome.Thisincludesincreasinginvestmentinwealthmanagement,assetmanagementandotherbusinesses,andimprovingthecomprehensiveanddiversifiedleveloffinancialservices.Atthesametime,weneedtodeepentheapplicationoffinancialtechnologyandusetechnologiessuchasbigdataandartificialintelligencetoimproveserviceefficiencyandcustomerexperience.在组织架构转型方面，商业银行应推动扁平化、灵活化的组织架构改革，提高决策效率和市场响应速度。通过优化内部流程，减少管理层级，实现资源的高效配置和快速响应市场需求。Intermsoforganizationalstructuretransformation,commercialbanksshouldpromoteaflatandflexibleorganizationalstructurereform,improvedecision-makingefficiencyandmarketresponsespeed.Byoptimizinginternalprocesses,reducingmanagementhierarchy,achievingefficientresourceallocationandrapidresponsetomarketdemand.在风险管理转型方面，商业银行应建立全面风险管理体系，加强对信用风险、市场风险、操作风险等各类风险的识别和监控。通过完善风险管理制度和流程，提升风险计量、监测和处置能力，确保业务稳健发展。Intermsofriskmanagementtransformation,commercialbanksshouldestablishacomprehensiveriskmanagementsystem,strengthentheidentificationandmonitoringofvariousriskssuchascreditrisk,marketrisk,andoperationalrisk.Byimprovingriskmanagementsystemsandprocesses,enhancingriskmeasurement,monitoring,anddisposalcapabilities,weensurestablebusinessdevelopment.在科技创新转型方面，商业银行应加大科技投入，推动金融科技与银行业务的深度融合。通过研发和应用新技术、新产品，提升银行的科技含量和服务水平。同时，要加强与金融科技公司、互联网企业的合作，共同推动金融行业的数字化转型。Intermsoftechnologicalinnovationandtransformation,commercialbanksshouldincreaseinvestmentintechnologyandpromotethedeepintegrationoffintechandbankingbusiness.Bydevelopingandapplyingnewtechnologiesandproducts,weaimtoenhancethetechnologicalcontentandservicelevelofbanks.Atthesametime,weshouldstrengthencooperationwithfinancialtechnologycompaniesandInternetcompaniestojointlypromotethedigitaltransformationofthefinancialindustry.在人才培养和引进方面，商业银行应重视人才培养和引进工作，建立完善的人才管理体系。通过加强员工培训、优化激励机制、拓宽人才引进渠道等方式，提升员工的业务素质和创新能力，为银行的转型发展提供有力的人才保障。Intermsoftalentcultivationandintroduction,commercialbanksshouldattachimportancetotalentcultivationandintroductionwork,andestablishasoundtalentmanagementsystem.Bystrengtheningemployeetraining,optimizingincentivemechanisms,andexpandingchannelsfortalentintroduction,weaimtoenhancetheprofessionalqualityandinnovationabilityofemployees,providingstrongtalentsupportforthetransformationanddevelopmentofbanks.我国商业银行在转型过程中应坚持市场化、专业化、科技化、国际化的发展方向，不断提升自身的竞争力和创新能力。要密切关注宏观经济形势和市场变化，灵活调整转型策略，确保转型发展的顺利推进。Intheprocessoftransformation,commercialbanksinourcountryshouldadheretothedevelopmentdirectionofmarketization,specialization,technologization,andinternationalization,andcontinuouslyimprovetheircompetitivenessandinnovationability.Weshouldcloselymonitorthemacroeconomicsituationandmarketchanges,flexiblyadjusttransformationstrategies,andensurethesmoothprogressoftransformationanddevelopment.六、案例分析Caseanalysis为深入剖析我国商业银行的发展困境及转型路径，本文选取了中国银行作为国内大型商业银行的代表，进行案例分析。中国银行作为我国金融业的领军企业，其在面对国内外经济环境变化和市场竞争压力时，所经历的挑战与转型策略，对于研究我国商业银行的整体发展具有重要参考价值。TodeeplyanalyzethedevelopmentdifficultiesandtransformationpathsofcommercialbanksinChina,thisarticleselectsBankofChinaasarepresentativeoflargedomesticcommercialbanksforcaseanalysis.AsaleadingenterpriseinChina'sfinancialindustry,BankofChina'schallengesandtransformationstrategiesinthefaceofchangesinthedomesticandinternationaleconomicenvironmentandmarketcompetitionpressurehaveimportantreferencevalueforstudyingtheoveralldevelopmentofcommercialbanksinChina.随着互联网金融的崛起，传统商业银行面临客户流失、业务收缩等困境。中国银行通过加强与互联网金融企业的合作，推出线上金融产品和服务，优化客户体验，实现了传统业务与互联网金融的有机融合。中国银行还加大科技创新投入，提升金融科技能力，以应对互联网金融带来的挑战。WiththeriseofInternetfinance,traditionalcommercialbanksarefacingdifficultiessuchascustomerlossandbusinesscontraction.BystrengtheningcooperationwithInternetfinanceenterprises,BankofChinalaunchedonlinefinancialproductsandservices,optimizedcustomerexperience,andrealizedtheorganicintegrationoftraditionalbusinessandInternetfinance.TheBankofChinaalsoincreasedinvestmentinscientificandtechnologicalinnovationandimprovedfinancialtechnologycapabilitiestomeetthechallengesposedbyInternetfinance.面对全球经济的复杂多变和国际金融市场的竞争压力，中国银行积极实施国际化战略，拓展海外市场。通过设立海外分支机构、参与国际金融市场交易等方式，中国银行不断提升国际竞争力。在跨境金融、海外投资等领域，中国银行也加强了风险管理和产品创新，以应对国际市场的风险和挑战。Facedwiththecomplexandever-changingglobaleconomyandcompetitivepressureintheinternationalfinancialmarket,BankofChinaactivelyimplementsaninternationalizationstrategytoexpandoverseasmarkets.Byestablishingoverseasbranchesandparticipatingininternationalfinancialmarkettransactions,BankofChinacontinuouslyenhancesitsinternationalcompetitiveness.Inareassuchascross-borderfinanceandoverseasinvestment,BankofChinahasalsostrengthenedriskmanagementandproductinnovationtocopewithrisksandchallengesintheinternationalmarket.通过以上两个案例的分析，可以看出我国商业银行在面临发展困境时，需要积极调整战略和业务模式，加强科技创新和风险管理，以适应市场的变化和需求。商业银行还需要加强与互联网金融企业和国际金融机构的合作，拓宽业务领域和市场空间，实现可持续发展。Throughtheanalysisoftheabovetwocases,itcanbeseenthatChinesecommercialbanksneedtoactivelyadjusttheirstrategiesandbusinessmodels,strengthentechnologicalinnovationandriskmanagement,inordertoadapttomarketchangesanddemandswhenfacingdevelopmentdifficulties.CommercialbanksalsoneedtostrengthencooperationwithInternetfinancialenterprisesandinternationalfinancialinstitutions,expandbusinessareasandmarketspace,andachievesustainabledevelopment.七、结论与建议Conclusionandrecommendations经过对我国商业银行发展困境的深入研究，我们不难发现，随着全球经济一体化和金融市场的快速发展，我国商业银行面临着日益严峻的挑战。这些挑战主要来自于国内外经济形势的变化、金融科技的崛起、客户需求的多样化以及监管政策的调整等多个方面。在这样的背景下，我国商业银行必须积极寻找转型路径，以应对这些挑战。Afterin-depthresearchonthedevelopmentdifficultiesofcommercialbanksinChina,itisnotdifficulttofindthatwiththerapiddevelopmentofglobaleconomicintegrationandfinancialmarkets,commercialbanksinChinaarefacingincreasinglyseverechallenges.Thesechallengesmainlycomefromvariousaspectssuchaschangesinthedomesticandinternationaleconomicsituation,theriseoffinancialtechnology,diversificationofcustomerdemand,andadjustmentstoregulatorypolicies.In