Research On The Issues Of State-owned Commercial Banks Income Structure

With the opening and reform develops to depth direction and the interest rate liberalizationadvancement, the financial market of our country is in constant change, the income structure of the bankhas changed from traditional deposit and loan interest income to the diversification of income direction.The income structure of the bank is divided into two parts: the interest income and non interest income,deposit interest margin accounts for absolute position in the earliest bank income. In recent years, with thefurther opening of financial market, foreign banks are in Chinese settled, brought the high quality financialproducts and high-end services, and domestic banks launched a battle for the market; balance of treasure,Micro message management through internet financial products. A new force suddenly rises, creation modeand mode of operation through the unique value, the diversion of part deposit banking and financialservices, which has a great impact on the traditional income structure of state owned banks. Facing thecompetition, the state-owned commercial banks are also changing the income structure and business scopeof business, interest income proportion decreased, non interest income is rising.Because of our country’s banking supervision system, despite a rise in the proportion of non interestincome, but the non interest income business scope is very narrow, mainly in the net fee and commissionincome. In non interest income accounted for the largest Chinese bank as an example, in2012, net interestincome China banks accounted for70.2%of total revenue, and non interest net income accounted for only29.8%, of which the net fee and commission income accounted for the proportion of non interest netincome64%. Therefore, the state-owned commercial banks obtained from non interest net income in theincome far less than the traditional deposit and loan interest revenue. At present, commercial banks indeveloped countries and non interest income has accounted for more than40%of total revenue, non interest income has become the mainstay business. Focus on how thoroughly, thoroughly analyze thereason of the irrational income structure is studied in this paper.How to effectively analyze the income structure of the current situation and existing problems of thecurrent structure of the income, which is facing the impact of external factors, this paper on these issuesfirst introduced the state-owned bank income irrational structure background, a brief summary of theproblems, the necessity of existence. Then introduces the existing structure of the state-owned banks’income problem, as well as the domestic and foreign scholars on the status quo of the research, thenelaborates current situation of state-owned banks income structure, income structure and the influence ofexternal adjustment system factors of slow and traditional income structure impact, finally proposes tochange the current revenue structure dilemma suggestions.This paper attempts to analyze the income structure from multiple perspectives, in addition to theincome structure is unreasonable, the unreasonable is also a variety of external factors of birth. Theprevious scholars study this problem is from one point of view, a single factor are discussed, concentratedin the intermediate business income is not reasonable in this particular aspect, rarely on interest incomeitself problems, the one-sided research. The internal factors affecting income structure is not reasonable andthe external factors are discussed, with a new perspective and gives a comprehensive analysis of theproblem.