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随着宏观经济增速减退、利率市场化步伐加快、互联网金融等新金融模式兴起,我国银行业金融生态发生了巨大的变化,传统银行业发展模式面临着严峻的挑战,从“规模经营”向“内涵式可持续发展”的经营转型已成为银行业改革发展的风向标。“规模经营”的压力与挑战当前,中国经济正在进行经济结构调整和经济发展方式的转变,将对我国商业银行的发展带来非常深刻的影响,商业银行的规模经营业务发展方式将受到愈来愈大的挑战与困境。
As the macroeconomic growth slows down, the interest rate liberalization accelerates and new financial models such as internet finance rise, the financial ecology of our banking industry has undergone tremendous changes. The traditional banking development model is facing a serious challenge. From the perspective of “scale management The transformation of the business towards ”inclusive sustainable development" has become the benchmark for the reform and development of the banking industry. Pressure and Challenges of Scale Operation At present, China’s economy is undergoing economic restructuring and changes in the mode of economic development, which will have a profound and profound impact on the development of commercial banks in China. The mode of operation of commercial banks for scale operations will be affected Increasing challenges and dilemmas.