銀行須改變盈利模式，轉變“管理者”身份
Commercial banks must overhaul their profit models from traditional ones to address the narrowing interest margin, urged Shang Fulin, chairman of China Banking Regulatory Commission.
中國銀監會主席尚福林主張，商業銀行必須改變其傳統的盈利模式，以應對存貸利差收窄的問題。
The model relying on the lucrative gap between lending and savings rate is no longer sustainable, as the proportion of interest income has declined, Shang said in an article in China Banking magazine on Tuesday.
3月3日，尚福林在《中國銀行業》雜誌上撰文指出，由於利息收入在銀行營業淨收入中所佔比率的下降，依靠存貸利差的盈利模式已不再適用。
Interest income accounted for only 48 percent of the total earnings among Chinese commercial banks in 2014, down 7.3 percentage points from three years ago, he added.
他提到，2014年中國商業銀行存貸款利息淨收入僅佔營業淨收入的48%，比3年前下降了7.3個百分點。
Shang said China's banking industry should seek profits from risk management and the pricing of financial products, while lowering operation costs.
他同時指出，中國銀行業應當研究向風險管理要效益，向金融產品定價要效益，同時降低運營成本。
Market participants should more carefully analyze the "new normal" within the banking industry, and actively respond to the challenges and risks under the "new normal".
市場參與者應當認真研究銀行業的“新常態”，並積極應對“新常態”帶來的各種風險和挑戰。
The growth of banks' loan decreased to 13.5 percent last year, 6.5 percent lower than the average growth speed in the past five years, and the stable growth will be the long-term trend for China's banking industry, he said.
他稱，2014年銀行業貸款增速已降至13.5%，比前5年平均增速下降了6.5%，增長速度回穩將成爲銀行業的一種長期趨勢。
China's commercial banks' non-performing loan was 842.6 billion yuan ($137.46 billion) by 2014, and the ratio of commercial banks rose to 1.25 percent by the end of 2014, 0.25 percentage points higher than the beginning of the year, according to an earlier Xinhua report.
據新華社早期報道，截至2014年末，中國商業銀行不良貸款餘額達到8426億元（約1374.6億美元），不良貸款率爲1.25%，較年初上升0.25個百分點。
Chinese banks "must accelerate their transformation and upgrading by restructuring their asset and profit structure and regional layout of branches," said Yang Kaisheng, former president of the Industrial and Commercial Bank of China (ICBC) on Tuesday.
3月3日，前任中國工商銀行行長楊凱生表示，中國的銀行“必須加快資產結構，收益結構和區域佈局的轉型與升級”。
China's central bank announced a benchmark rate cut by 25 basis points on Saturday, lowering the one-year benchmark lending and savings rate to 5.35 and 2.5 percent respectively.
2月28日，央行宣佈降息25個基點，一年期存、貸款基準利率分別下調至2.5%和5.35%。
The bank at the same time increased interest rate flexibility by raising the ceiling for the floating savings rate to 1.3 times the benchmark rate, up from 1.2 times.
同時，央行還將利率浮動區間的上限由基準利率的1.2倍調整爲1.3倍。
Vocabulary
interest margin：利息差額
non-performing loan：不良貸款
benchmark rate：基準利率
