对于商业银行业今后的发展情况，中央财经大学中国银行(601988,股吧)业研究中心主任郭田勇在“2012新浪金麒麟论坛”上表示，商业银行业未来发展面临越来越不宽松的经营环境。面对经济减速，利率市场化，以及新一轮的改革，金融业准入门槛进一步降低，机构数量进一步增大，商业银行未来需要进一步提高自己的创新能力，提高自己的核心竞争力。

For the development of the commercial banking in the future,Bank of China, the central university of finance and economics(601988,guba)Industry research center director guo TianYong in"2012 JinQiLin sina BBS"Said on,Commercial banking future development face more and more not loose management environment.In the face of the economic slowdown,Interest rate marketization,And a new round of reform,The financial industry admittance threshold further reduce,Institutions quantity increase further,Commercial Banks in the future there is a need to further improve their innovation ability,To improve their core competitiveness.

　　“未来整个银行业面临的压力巨大，只有通过不断创新，不断扩大金融触角，增加它的盈利点，才能巩固住自己的核心竞争力。”郭田勇强调。小企业尤其是小型和微型企业，重点则是民营经济。

"The future of the entire banking industry faces enormous pressure,Only through constant innovation,Constantly expand financial antenna,Increase its profit point,To consolidate live their own core competitiveness."Guo TianYong emphasize.Small enterprises especially small and micro enterprise,Key is the private economy.