WTO背景下,我国国有商业银行发展中的问题分析及对策研究

WTO背景下,我国国有商业银行发展中的问题分析及对策研究
 
摘要：中国加入 WTO 后，按照开放银行业的承诺，对外资银行在经营业务和设立地域等方面的限制正在逐步取消，这将促进银行业服务市场的飞速发展，同时也使中资银行面临激烈的竞争和市场挑战。因此，中资银行如何赢得挑战，提高自己的竞争力就成为1个异常迫切的问题，本文试图对这个现实问题做出回答。本文建立于对中外资银行现实情况的`分析基础上，通过对我国国有商业银行、外资银行的进行比较分析，总结了国有商业银行的优、劣势，详细分析了我国国有商业银行所面临的机遇及威胁，并且从国有商业银行股份制改革的现实基础出发，提出了提高国有商业银行竞争力的对策。作者总结了国有商业银行加入WTO后5年过渡期内在股改中取得的成绩，分析了国有商业银行的不足，并重点提出了转变经营理念，完善经营管理机制方面的实施建议。作者还就中国银行业的外部环境因素做了具体分析，指出在法律、银行从业制度等不断改革的形势下，我们应大力发展国有商业银行的中间业务，并且给出了发展中间业务的具体建议。
关键词：WTO；   国有商业银行 ；  竞争力 ；  SWOT分析;

Under the Background of WTO, the Problem Analysis and the Countermeasure Research in the Development of Our State-owned Commercial Banks
             
Abstract：After China joined WTO, according to the promise of open bank field, the restriction for the bank of foreign capital, which mainly focus on managing commercial and region of establishment and etc, is canceling step by step, this will promote the development of bank service market fast, meantime it also make Sino commercial banks face with intense competition and challenge of market. Therefore, how the Sino commercial bank win the challenge, improving ones owned competitiveness becomes an unusually urgent and serious problem, the paper attempts to answer this realistic paper is based on the analyzing of the reality of banks both domestic and abroad ,through the analysis and comparison between China’s state-owned commercial banks and foreign capital banks ,it summarizes the advantages and disadvantages of China’s state-owned commercial banks ,analyzes the opportunities and threats of Chinas state-owned commercial banks in detail, also, it takes state-owned commercial bank joint-stock reform as a starting point,  put forward the countermeasure for the competitive ability enhancing of  China’s state-owned  commercial banks authors summarizes the achievements of state-owned commercial banks in the shareholding system reform during a five-year interim after China’s entry into the WTO ,analyzes the weak points of state-owned commercial banks, advances implementing  recommendations of changing operation philosophy and perfecting  management mechanism author also analyzes the external environment of China banking in detail, and points  out in this situation of quick reforming in law and banking  employment system, we should make great efforts to develop agency operation of state-owned commercial banks , gives the specific suggestions of developing agency business.
Keywords:  WTO;   state-owned commercial bank;   competitive ability;  SWOT analysis;