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http://www.xinhuanet.com/fortune/20120227jrht/
2月17日银监会发布了一系列让人眼红心跳的数据。数据显示，去年我国银行业金融机构2011年总资产113.28万亿元，同比增长18.9%。商业银行净利润超过万亿元大关，达到10412亿元，创历史新高。按此计算，商业银行去年平均每天赚得约28.5亿元。这个数字一经公布便引发了多方争议。 …[详细]
揭秘银行高利润
银监会2月17日发布的数据显示，去年我国银行业金融机构2011年总资产113.28万亿元，同比增长18.9%。商业银行净利润超过万亿元大关，达到10412亿元，创历史新高。按此计算，商业银行去年平均每天赚得约28.5亿元。 …[详细]
国内银行收入有两大来源：主体为利息收入，来自存贷款利差；增长最快的则是“中间业务”，即各类手续费和佣金———由于从事中间业务不需承担风险，近年来成为银行转型重点。记者分析了16家上市银行的2011年三季报，发现各家银行的收入结构各不相同：股份制银行对“吃利差”依赖较大，如华夏银行、北京银行的利息净收入占营业收入的九成以上；国有大行除农行外，其余三家的利息净收入占比均在80%以下。建设银行、工商银行收费最“狠”，手续费及佣金净收入占营业收入的22%以上，为全行业最高。 …[详细]
银行暴利隐忧
利润保持3成左右的年增速是银行业数年来的“惯例”，因此有人将其定义为“旱涝保收”的行业；服务收费项目的大幅增加不断为中间业务发展“添砖加瓦”。业内人士表示，我国目前规定存款利率上限、贷款利率下限的利差保护格局，使得部分银行尤其是国有大型商业银行享受了隐形的巨额“特许利润”，这种高增长模式难以长期持续。 …[详细]
想到银行办业务，却发现人满为患，只是办个汇款，却可能要排上一个小时，而那些VIP窗口前却是“门前冷落鞍马稀”。承受了越来越多的收费，却享受到的是心理感觉下降的服务，而只要资产达到一定标准，不但可减免多种收费，还能在很多方面享受到贵宾式的待遇。银行“以客户贡献度、利润为导向”，甚至以“牺牲大部分小储户利益去做好大客户服务”的做法，令普通老百姓感觉“很受伤”。越来越多的网友炮轰，“嫌贫爱富”正成为银行服务的标签。 …[详细]
终结银行“暴利”寄望利率市场化
非利息收入占比19.3%，这一数字值得关注。也就是说，息差贡献了我国商业银行净利润的八成。从盈利结构看，与国外银行主要依靠中间业务盈利相比，我国商业银行的经营仍然非常粗放。银行利润建立在企业发展的基础上，本该大力为实体经济服务，而如今的局面却成了银行业依靠息差，两头挤压，坐地收钱。长此以往，将不利于中国经济可持续发展。有关部门应加快推进利率市场化改革，助推银行业转型升级。 …[详细]
经济决定金融，金融反过来又影响经济发展。如果金融从实体经济和拉动经济的消费者身上获取中间利润过多，不但不能促进经济发展，反过来将阻碍经济发展。中间环节的金融从实体经济中吸吮利润过多，实体企业必然失血过多，发展后劲必然越来越弱，最终也将使得银行利润不可持续，还可能酿成企业被银行盘剥过多利润、被高资金成本“逼死”，从而难以归还贷款并酿成金融风险的状况。因此，为了实体经济尽快走出困境，为了提振百姓消费，也为了银行业发展的可持续性，必须遏制银行业暴利，银行业应该大举让利于实体企业、让利于民。 …[详细]
投票与调查
扩展阅读
· 银行业调查:综合税负高于其他行业
· 银行揭秘:理财经理为何一年提成50万
银行服务收费项目具体多少 工作人员说不清楚
华侨银行中国内地业绩增长蹒跚
话中音
“虽然商业银行总体盈利很高，但从增长速度看远不如2005年、2006年。 ”
中央财经大学金融学院教授郭田勇
“内地银行的人均净利润是工业企业的12倍。 ”
中国国际经济交流中心副秘书长陈永杰
“银行利润太高了，自己都“不好意思”公布。 ”
民生银行行长洪崎
在银行收费项目暴增的同时，银行业的利润也屡创新高。中国银监会最新统计显示，2011年全年，中国银行业净利润首破万亿大关，达到10412亿元。以13亿人口计算，银行等于从每个人手里赚走近800元纯利，日均获利28.5亿元。根据此前媒体报道的数据，银行业近年利润连创新高：2008年5834亿元，2009年6684亿元，2010年7637亿元，2011年破万亿……短短3年来，全行业的净利润就翻了将近一倍。在居民储蓄“负增长”、实体经济萎靡的大背景下，银行业的大赚似乎格外刺目，银行该不该赚这么多？
http://www.xinhuanet.com/fortune/20120227jrht/
February 17, the CBRC issued a series of people to blush at the data. The data show that the banking financial institutions in China last year, 2011 total assets of 113.28 trillion yuan, an increase of 18.9%. Commercial Bank net profit of over one trillion yuan mark to reach 1.0412 trillion yuan, a record high. On this basis, the commercial banks last year, a daily average of about 2.85 billion yuan earned. This figure was announced have led to multi-party dispute. ... [More]
Secret bank high profit
Banking Regulatory Commission data released on February 17, banking financial institutions in China last year, 2011 total assets of 113.28 trillion yuan, an increase of 18.9%. Commercial Bank net profit of over one trillion yuan mark to reach 1.0412 trillion yuan, a record high [/ B]. The figure, Commercial Bank last year, the average daily earn about 28.5 billion [/ B]. ... [More]
Income of domestic banks has two main sources: the main interest income from deposit and loan spreads; the fastest growing "middle business", that is, all kinds of fees and commissions --- without risk in intermediate business In recent years, become the bank transformation focus. Reporter analysis of the 16 listed banks in 2011 three quarterly and found that the revenue structure of the banks of the same: the joint-stock banks to "eat spreads greater dependence, such as Bank of China, Bank of Beijing's net interest income to total operating income 90%; state-owned lines in addition to the Agricultural Bank, net interest income accounted for the remaining three were below 80%. Construction Bank, ICBC charges "ruthless", fee and commission income accounted for more than 22% of operating income for the whole industry. ... [More]
Bank windfall worries
Profits to maintain the annual growth rate of about 30% of the banking industry over the past few years "practice", so some people define it as the "Hanlaobaoshou" industry; a substantial increase in service charges continue to contribute to the development of intermediary business "". Insiders said that China's current regulations deposit interest rate ceiling, the minimum lending rate spreads protection pattern, making some banks, especially large state-owned commercial banks enjoy stealth huge concession profits, high growth model difficult to long-term sustainability. ... [More]
Think of the bank to do business, but found that overcrowding, just do a transfer, may want to rafts for an hour, while those VIP before the window is "cold front pommel horse dilute. Bear an increasing number of charges, but to enjoy the psychological feeling of decline in service, as long as the assets reach a certain standard, not only relief for a variety of charges, but also in many ways to enjoy the VIP treatment. Bank customer contribution, profit-oriented, even at the expense of the majority of small depositors interests to do customer service "approach, so that ordinary people feel" very hurt ". More and more users shelling, "Xianpinaifu" is becoming the label banking services. ... [More]
The end of the bank "profiteering" hope to the interest rate market
Non-interest income accounted for 19.3%, this figure is cause for concern. In other words, the interest rate differential contributed 80% of the net profit of China's commercial banks. See from the profit structure, and foreign banks rely mainly on intermediate business profitability compared to the commercial banks operating in China is still very extensive. Banks' profits on the basis of enterprise development, the vigorously to the real economy, the situation today has become the banking sector to rely on the interest margin squeeze two, sitting in money. Over time, this is not conducive to China's sustainable economic development. The relevant departments should accelerate the market-oriented reform of interest rates to boost the banking sector restructuring and upgrading. ... [More]
Economic decisions, finance, financial, in turn, affect economic development. If the financial access to the middle of the profit from the real economy and stimulating the economy consumers too much, it was counted, not only to promote economic development, in turn, will impede economic development. The middle part of the finance from the real economy sucking excessive profits, corporate entities is bound to excessive bleeding, the potential for further development will become increasingly weak, and ultimately will make the bank profits are not sustainable, but also may lead to excessive profits of the enterprises by banks exploit, high cost of capital, "a death sentence, making it difficult to repay the loan and lead to the situation of the financial risk. Therefore, as soon as possible to the real economy out of the woods, in order to boost people consumption, as well as to the sustainability of the banking industry, we must curb the banking industry profiteering, banking industry should be so beneficial to large-scale corporate entities, to help the people. ... [More]
Voting and surveys
Further reading
· Banking Survey: integrated tax burden is higher than other industries
· Banking Secret: why financial managers commission 500 000
Banking services fees staff had a clue
Bank of Overseas Chinese in Mainland China results of growth faltering
If Alto
"Although the overall profitability of commercial banks is high, but the growth rate to see far better than the 2005, 2006.
Guo Tian Yong, a professor of the Central University of Finance and
Mainland banks per capita net profit is 12 times that of industrial enterprises. "
China International Economic and Exchange Center, Deputy Secretary-General Mr Chan
"Bank profits are too high," sorry "announced."
Minsheng Bank president Hong Qi
Surge in bank fees, the profits of the banking sector also hit record highs. The China Banking Regulatory Commission latest statistics show that throughout 2011, the China Banking net profit break the trillion mark to reach 1.0412 trillion yuan. Population of 1.3 billion, the bank is equal to earned from the hands of each person approached the net profit of 800 yuan, the average daily profit of 2.85 billion yuan. According to earlier media reports, the data, the banking industry in recent years, profits hit new high: 583.4 billion yuan in 2008, 668.4 billion yuan in 2009, 763.7 billion yuan in 2010, broken trillion in 2011 ... just three years, the industry-wide net profit turned nearly doubled. In the context of household savings "negative growth", the real economy is sluggish, the big profits of the banking industry seems particularly glaring, banks should or should not make so much?
2月17日银监会发布了一系列让人眼红心跳的数据。数据显示，去年我国银行业金融机构2011年总资产113.28万亿元，同比增长18.9%。商业银行净利润超过万亿元大关，达到10412亿元，创历史新高。按此计算，商业银行去年平均每天赚得约28.5亿元。这个数字一经公布便引发了多方争议。 …[详细]
揭秘银行高利润
银监会2月17日发布的数据显示，去年我国银行业金融机构2011年总资产113.28万亿元，同比增长18.9%。商业银行净利润超过万亿元大关，达到10412亿元，创历史新高。按此计算，商业银行去年平均每天赚得约28.5亿元。 …[详细]
国内银行收入有两大来源：主体为利息收入，来自存贷款利差；增长最快的则是“中间业务”，即各类手续费和佣金———由于从事中间业务不需承担风险，近年来成为银行转型重点。记者分析了16家上市银行的2011年三季报，发现各家银行的收入结构各不相同：股份制银行对“吃利差”依赖较大，如华夏银行、北京银行的利息净收入占营业收入的九成以上；国有大行除农行外，其余三家的利息净收入占比均在80%以下。建设银行、工商银行收费最“狠”，手续费及佣金净收入占营业收入的22%以上，为全行业最高。 …[详细]
银行暴利隐忧
利润保持3成左右的年增速是银行业数年来的“惯例”，因此有人将其定义为“旱涝保收”的行业；服务收费项目的大幅增加不断为中间业务发展“添砖加瓦”。业内人士表示，我国目前规定存款利率上限、贷款利率下限的利差保护格局，使得部分银行尤其是国有大型商业银行享受了隐形的巨额“特许利润”，这种高增长模式难以长期持续。 …[详细]
想到银行办业务，却发现人满为患，只是办个汇款，却可能要排上一个小时，而那些VIP窗口前却是“门前冷落鞍马稀”。承受了越来越多的收费，却享受到的是心理感觉下降的服务，而只要资产达到一定标准，不但可减免多种收费，还能在很多方面享受到贵宾式的待遇。银行“以客户贡献度、利润为导向”，甚至以“牺牲大部分小储户利益去做好大客户服务”的做法，令普通老百姓感觉“很受伤”。越来越多的网友炮轰，“嫌贫爱富”正成为银行服务的标签。 …[详细]
终结银行“暴利”寄望利率市场化
非利息收入占比19.3%，这一数字值得关注。也就是说，息差贡献了我国商业银行净利润的八成。从盈利结构看，与国外银行主要依靠中间业务盈利相比，我国商业银行的经营仍然非常粗放。银行利润建立在企业发展的基础上，本该大力为实体经济服务，而如今的局面却成了银行业依靠息差，两头挤压，坐地收钱。长此以往，将不利于中国经济可持续发展。有关部门应加快推进利率市场化改革，助推银行业转型升级。 …[详细]
经济决定金融，金融反过来又影响经济发展。如果金融从实体经济和拉动经济的消费者身上获取中间利润过多，不但不能促进经济发展，反过来将阻碍经济发展。中间环节的金融从实体经济中吸吮利润过多，实体企业必然失血过多，发展后劲必然越来越弱，最终也将使得银行利润不可持续，还可能酿成企业被银行盘剥过多利润、被高资金成本“逼死”，从而难以归还贷款并酿成金融风险的状况。因此，为了实体经济尽快走出困境，为了提振百姓消费，也为了银行业发展的可持续性，必须遏制银行业暴利，银行业应该大举让利于实体企业、让利于民。 …[详细]
投票与调查
扩展阅读
· 银行业调查:综合税负高于其他行业
· 银行揭秘:理财经理为何一年提成50万
银行服务收费项目具体多少 工作人员说不清楚
华侨银行中国内地业绩增长蹒跚
话中音
“虽然商业银行总体盈利很高，但从增长速度看远不如2005年、2006年。 ”
中央财经大学金融学院教授郭田勇
“内地银行的人均净利润是工业企业的12倍。 ”
中国国际经济交流中心副秘书长陈永杰
“银行利润太高了，自己都“不好意思”公布。 ”
民生银行行长洪崎
在银行收费项目暴增的同时，银行业的利润也屡创新高。中国银监会最新统计显示，2011年全年，中国银行业净利润首破万亿大关，达到10412亿元。以13亿人口计算，银行等于从每个人手里赚走近800元纯利，日均获利28.5亿元。根据此前媒体报道的数据，银行业近年利润连创新高：2008年5834亿元，2009年6684亿元，2010年7637亿元，2011年破万亿……短短3年来，全行业的净利润就翻了将近一倍。在居民储蓄“负增长”、实体经济萎靡的大背景下，银行业的大赚似乎格外刺目，银行该不该赚这么多？
http://www.xinhuanet.com/fortune/20120227jrht/
February 17, the CBRC issued a series of people to blush at the data. The data show that the banking financial institutions in China last year, 2011 total assets of 113.28 trillion yuan, an increase of 18.9%. Commercial Bank net profit of over one trillion yuan mark to reach 1.0412 trillion yuan, a record high. On this basis, the commercial banks last year, a daily average of about 2.85 billion yuan earned. This figure was announced have led to multi-party dispute. ... [More]
Secret bank high profit
Banking Regulatory Commission data released on February 17, banking financial institutions in China last year, 2011 total assets of 113.28 trillion yuan, an increase of 18.9%. Commercial Bank net profit of over one trillion yuan mark to reach 1.0412 trillion yuan, a record high [/ B]. The figure, Commercial Bank last year, the average daily earn about 28.5 billion [/ B]. ... [More]
Income of domestic banks has two main sources: the main interest income from deposit and loan spreads; the fastest growing "middle business", that is, all kinds of fees and commissions --- without risk in intermediate business In recent years, become the bank transformation focus. Reporter analysis of the 16 listed banks in 2011 three quarterly and found that the revenue structure of the banks of the same: the joint-stock banks to "eat spreads greater dependence, such as Bank of China, Bank of Beijing's net interest income to total operating income 90%; state-owned lines in addition to the Agricultural Bank, net interest income accounted for the remaining three were below 80%. Construction Bank, ICBC charges "ruthless", fee and commission income accounted for more than 22% of operating income for the whole industry. ... [More]
Bank windfall worries
Profits to maintain the annual growth rate of about 30% of the banking industry over the past few years "practice", so some people define it as the "Hanlaobaoshou" industry; a substantial increase in service charges continue to contribute to the development of intermediary business "". Insiders said that China's current regulations deposit interest rate ceiling, the minimum lending rate spreads protection pattern, making some banks, especially large state-owned commercial banks enjoy stealth huge concession profits, high growth model difficult to long-term sustainability. ... [More]
Think of the bank to do business, but found that overcrowding, just do a transfer, may want to rafts for an hour, while those VIP before the window is "cold front pommel horse dilute. Bear an increasing number of charges, but to enjoy the psychological feeling of decline in service, as long as the assets reach a certain standard, not only relief for a variety of charges, but also in many ways to enjoy the VIP treatment. Bank customer contribution, profit-oriented, even at the expense of the majority of small depositors interests to do customer service "approach, so that ordinary people feel" very hurt ". More and more users shelling, "Xianpinaifu" is becoming the label banking services. ... [More]
The end of the bank "profiteering" hope to the interest rate market
Non-interest income accounted for 19.3%, this figure is cause for concern. In other words, the interest rate differential contributed 80% of the net profit of China's commercial banks. See from the profit structure, and foreign banks rely mainly on intermediate business profitability compared to the commercial banks operating in China is still very extensive. Banks' profits on the basis of enterprise development, the vigorously to the real economy, the situation today has become the banking sector to rely on the interest margin squeeze two, sitting in money. Over time, this is not conducive to China's sustainable economic development. The relevant departments should accelerate the market-oriented reform of interest rates to boost the banking sector restructuring and upgrading. ... [More]
Economic decisions, finance, financial, in turn, affect economic development. If the financial access to the middle of the profit from the real economy and stimulating the economy consumers too much, it was counted, not only to promote economic development, in turn, will impede economic development. The middle part of the finance from the real economy sucking excessive profits, corporate entities is bound to excessive bleeding, the potential for further development will become increasingly weak, and ultimately will make the bank profits are not sustainable, but also may lead to excessive profits of the enterprises by banks exploit, high cost of capital, "a death sentence, making it difficult to repay the loan and lead to the situation of the financial risk. Therefore, as soon as possible to the real economy out of the woods, in order to boost people consumption, as well as to the sustainability of the banking industry, we must curb the banking industry profiteering, banking industry should be so beneficial to large-scale corporate entities, to help the people. ... [More]
Voting and surveys
Further reading
· Banking Survey: integrated tax burden is higher than other industries
· Banking Secret: why financial managers commission 500 000
Banking services fees staff had a clue
Bank of Overseas Chinese in Mainland China results of growth faltering
If Alto
"Although the overall profitability of commercial banks is high, but the growth rate to see far better than the 2005, 2006.
Guo Tian Yong, a professor of the Central University of Finance and
Mainland banks per capita net profit is 12 times that of industrial enterprises. "
China International Economic and Exchange Center, Deputy Secretary-General Mr Chan
"Bank profits are too high," sorry "announced."
Minsheng Bank president Hong Qi
Surge in bank fees, the profits of the banking sector also hit record highs. The China Banking Regulatory Commission latest statistics show that throughout 2011, the China Banking net profit break the trillion mark to reach 1.0412 trillion yuan. Population of 1.3 billion, the bank is equal to earned from the hands of each person approached the net profit of 800 yuan, the average daily profit of 2.85 billion yuan. According to earlier media reports, the data, the banking industry in recent years, profits hit new high: 583.4 billion yuan in 2008, 668.4 billion yuan in 2009, 763.7 billion yuan in 2010, broken trillion in 2011 ... just three years, the industry-wide net profit turned nearly doubled. In the context of household savings "negative growth", the real economy is sluggish, the big profits of the banking industry seems particularly glaring, banks should or should not make so much?
