摘要:国际金融危机和欧债危机持续影响，全球经济格局和金融体系正在发生复杂而深刻的历史变革。中国经济总体运行平稳，但依然面对经济下行压力和产能过剩的矛盾。金融业处于世界经济的核心地位，银行业是金融发展的发动机，商业银行则是银行业的最佳代表。十年前，国外媒体关于中国的商业银行“技术性破产”的评价铺天盖地，悲观情绪弥漫。十年后，中国已经有100余家银行跻身世界前1 000家银行之列。充分证明中国商业银行在世界经济低迷的情况下依然保持了安全稳定、资本充足、资产优良、盈利较快增长的良好势头。同时，中国的金融监管深化、利率市场化步伐加快、消费者对金融服务要求日益提升。而商业银行的盈利模式是生存与发展的必要前提，而盈利质量是生存与发展的重要因素。为此，怎样完善我国商业银行的盈利模式、调高我国商业银行的盈利质量成为目前的焦点与热点。所以在此基础上，本文以商业银行的盈利模式、盈利质量为关键点做尝试性研究。
关键词：商业银行 盈利模式 盈利质量
ABSTRACT:Under the influence of the international financial crisis and the continuing impact of the European debt crisis, the global economic and financial system is undergoing complicated and profound historical declension.Chinese economy is running smoothly, but still face downward pressure on the contradictions from economy and overcapacity .Financial sector is in the core of the world economy,the banking sector is the engine of development of finance,while commercial banking is the best representative of the banking industry.Ten years ago, the evaluation about Chinese commercial banks of "technical bankruptcy" were overwhelming among foreign media,filled with pessimism.Ten years later, China has more than 100 banks among the world's top 1,000 banks,which proved that when in the world economic downturn,Chinese commercial banks continued to maintain a safe and stable, capital adequacy, asset quality, profitability and rapid growth momentum.Meanwhile, the deepening of China's financial supervision，Acceleration of the pace of interest rate market, and the consumer financial services requirements' rising appear.The commercial banks' profitability model is a necessary prerequisite for the survival and development, and the quality of earnings is an important factor in the survival and development.Therefore, how to improve Chinese commercial banks' profit model,increase the quality of China's commercial banks' profitability become the focus of the current hot spots.On this basis, the thesis take drys to do the research the key point of profit model of commercial banks and earnings quality .
Keywords：commercial bank, profit model, quality of earning
