内外资商业银行盈利能力决定因素比较研究简

通过对内外资商业银行经营状况的对比分析，发现内资银行和外资银行存在巨大的差异，主要表现在：规模因素对内外资银行的盈利影响差异最大，内资银行的盈利性收入主要来自于存贷款差额，而外资银行的收入主要依靠中间业务，内资银行没有外资银行的风险控制意识强烈等，由此提出了进一步提高我国商业银行盈利能力的具体措施。

The Comparative Study on Decisive Factors of Domestic and Foreign Commercial Banks Profitability

Throughout the comparative analysis on the operating status of domestic and foreign commercial banks, it is found out that there exist big differences between domestic and foreign banks. Scale factors have different effects on the earnings of the two types of banks. The profitable income of domestic commercial banks mainly comes from the difference between the deposit and loan whereas the income of foreign banks relies mainly on intermediate business. Our domestic commercial banks don~ have a strong consciousness of risk con- trol like foreign banks, so some concrete measures to improve the profitability of our commercial banks are presented.