大型城商行发展及转型辨析--基于16家大型城商行2013年报数据的分析

近年来，大型城商行在优化业务结构、拓展中间业务方面做出了有益尝试，形成一批新的业务增长点，手续费及佣金收入快速增长，至2013年末在营业收入中的比重首度突破10%。然而，受利率市场化改革、国内经济结构调整双重压力的影响，大型城商行资产规模增速放缓、资产质量有所下降、净息差持续收窄，经营压力进一步增强。未来一段时期内，随着金融市场化改革的深入，大型城商行除巩固中小微传统金融业务优势外，需把握经济结构调整及金融脱媒过程中衍生的业务发展机遇，加快发展转型，与此同时，着眼于精细化管理，以战略为导向优化资源配置，确保可持续增长。

Analysis on the Development and Transformation of Large-Sized City Commercial Banks:Based on the Data of the Annual Reports of 16 Large-Sized City Commercial Banks in 2013

s：In recent years, large-sized city commercial banks have made vigorous attempt in the optimization of busi-ness structure and expansion of intermediate business, forming a batch of new growth point. The fee and commission in-come has grown rapidly, which exceeds 10%of the total revenue by the end of 2013. However, affected by the interest rate liberalization and economic structure adjustment, large-sized city commercial banks have faced increasing operat-ing pressure. In the near future, along with the financial market reform, large-sized city commercial banks need to grasp business opportunities derived from the adjustment of economic structure and financial disintermediation in order to ac-celerate development transformation. At the same time, with a goal of fine management, large-sized city commercial banks should optimize the allocation of resource to ensure sustainable growth.