銀行須改變盈利模式，轉(zhuǎn)變“管理者”身份

Commercial banks must overhaul their profit models from traditional ones to address the narrowing interest margin, urged Shang Fulin, chairman of China Banking Regulatory Commission.

中國銀監(jiān)會主席尚福林主張，商業(yè)銀行必須改變其傳統(tǒng)的盈利模式，以應(yīng)對存貸利差收窄的問題。

The model relying on the lucrative gap between lending and savings rate is no longer sustainable, as the proportion of interest income has declined, Shang said in an article in China Banking magazine on Tuesday.

3月3日，尚福林在《中國銀行業(yè)》雜志上撰文指出，由于利息收入在銀行營業(yè)凈收入中所占比率的下降，依靠存貸利差的盈利模式已不再適用。

Interest income accounted for only 48 percent of the total earnings among Chinese commercial banks in 2014, down 7.3 percentage points from three years ago, he added.

他提到，2014年中國商業(yè)銀行存貸款利息凈收入僅占營業(yè)凈收入的48%，比3年前下降了7.3個百分點。

Shang said China's banking industry should seek profits from risk management and the pricing of financial products, while lowering operation costs.

他同時指出，中國銀行業(yè)應(yīng)當研究向風險管理要效益，向金融產(chǎn)品定價要效益，同時降低運營成本。

Market participants should more carefully analyze the "new normal" within the banking industry, and actively respond to the challenges and risks under the "new normal".

市場參與者應(yīng)當認真研究銀行業(yè)的“新常態(tài)”，并積極應(yīng)對“新常態(tài)”帶來的各種風險和挑戰(zhàn)。

The growth of banks' loan decreased to 13.5 percent last year, 6.5 percent lower than the average growth speed in the past five years, and the stable growth will be the long-term trend for China's banking industry, he said.

他稱，2014年銀行業(yè)貸款增速已降至13.5%，比前5年平均增速下降了6.5%，增長速度回穩(wěn)將成為銀行業(yè)的一種長期趨勢。

China's commercial banks' non-performing loan was 842.6 billion yuan ($137.46 billion) by 2014, and the ratio of commercial banks rose to 1.25 percent by the end of 2014, 0.25 percentage points higher than the beginning of the year, according to an earlier Xinhua report.

據(jù)新華社早期報道，截至2014年末，中國商業(yè)銀行不良貸款余額達到8426億元(約1374.6億美元)，不良貸款率為1.25%，較年初上升0.25個百分點。

Chinese banks "must accelerate their transformation and upgrading by restructuring their asset and profit structure and regional layout of branches," said Yang Kaisheng, former president of the Industrial and Commercial Bank of China (ICBC) on Tuesday.

3月3日，前任中國工商銀行行長楊凱生表示，中國的銀行“必須加快資產(chǎn)結(jié)構(gòu)，收益結(jié)構(gòu)和區(qū)域布局的轉(zhuǎn)型與升級”。

China's central bank announced a benchmark rate cut by 25 basis points on Saturday, lowering the one-year benchmark lending and savings rate to 5.35 and 2.5 percent respectively.

2月28日，央行宣布降息25個基點，一年期存、貸款基準利率分別下調(diào)至2.5%和5.35%。

The bank at the same time increased interest rate flexibility by raising the ceiling for the floating savings rate to 1.3 times the benchmark rate, up from 1.2 times.

同時，央行還將利率浮動區(qū)間的上限由基準利率的1.2倍調(diào)整為1.3倍。

Vocabulary

interest margin：利息差額

non-performing loan：不良貸款

benchmark rate：基準利率