随着国际银行业混业经营步伐的加快，国际大行的盈利模式和收入来源也发生了翻天覆地的变化。本课题将从我国商业银行的实际出发，着重从商业银行微观层面的效率与风险、中观层面的垄断与竞争，以及宏观层面的流动性创造三种视角来研究我国商业银行的非利息业务发展状况。研究中将采用中国商业银行的历史数据对银行各指标进行测算，并着重考察商业银行各种非利息业务对这些指标的影响。在理论与实证分析过程中，课题将结合国际银行业发展的最新趋势，以及我国“十三五”规划中完善金融宏观调控和监管的精神，就“金融供给侧改革”中商业银行如何提升成本利润效率、控制风险，提升银行在经济体中流动性创造的功能提出若干政策建议，以期为中央决策层、银行监管部门和商业银行经营管理层提供前瞻性的决策参考。

With the accelerated pace of international banking mixed operation, profit model and source of income for the international big banks has undergone enormous changes. This project will base on the reality of China's commercial banks, focusing on efficiency and risk of commercial banks from the micro-level, monopoly and competition from meso-level, as well as macro-level perspective of liquidity creation to study the non-interest business development of China's commercial banks situation. This project will calculate on each bank index using China's commercial banks historical data, focused on the impact of various commercial banks non-interest operations of these indicators. In theoretical and empirical analysis, combined with the latest trends in the issue of development of international banking, as well as China's "Shisan Wu" plan to improve financial macro-control and supervision in the spirit on the " supply-front financial reform" in the commercial banks how to improve the cost profit efficiency, control risk, improve bank liquidity in the economy created by the function made several policy recommendations, in order to provide a forward-looking decision-making reference for the central decision-making, banking regulators and commercial banks operating management.