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中国当今的城市化是产业、人口、土地、社会、农村“五位一体”的城市化,是工业化和现代化的伴随物,探索城市化进程中商业银行的盈利模式有着巨大的经济指导意义。本文使用面板数据从理论和实证分析的角度较为全面地分析了商业银行盈利模式的变化以及转型措施,给商业银行未来的发展提供了建议。
Urbanization in China today is an urbanization of industry, population, land, society and rural areas and a companion to industrialization and modernization. It is of great economic significance to explore the profit model of commercial banks in the process of urbanization . In this paper, panel data is used to analyze the changes of commercial banks’ profitability model and the transformation measures from the perspectives of theoretical and empirical analysis, and provide suggestions for the future development of commercial banks.