近年来，商业银行面临诸多挑战，主要包括：一是市场化进程的深刻影响，行业竞争加剧；二是经营权的垄断逐渐融化，市场约束增强；三是社会融资结构发生深刻变化，金融脱媒现象明显；四是经济波动风险加大，银行亲周期业务面临风险考验；五是技术脱媒加速，互联网导致银行支付及融资功能边缘化，将重构商业银行盈利模式及基本经营资源。这“五大挑战”正在动摇银行传统经营模式，使得传统的基本经营资源和信用结构正在发生潜移默化地演变。 同时，《资本管理办法》地实施将迫使银行在盈利性、安全性和流动性之间作出新的平衡，并引导银行业重新审视目前的资产负债结构，将深刻地影响商业银行的经营管理模式。利率市场化地推进将彻底改变商业银行...In recent years, commercial banks face many challenges: the first challenge is the profound influence of marketization and industry competition. The second challenge is the monopoly melts and market restraint strengthen. The third challenge is social financing structure has undergone profound changes and financial disintermediation obviously. The fourth challenge is the economic fluctuation risk a...学位：博士后院系专业：经济学院_金融学(含保险学)学号：201217000
