国有商业银行发展中的问题与对策

State-owned Commercial Banks of the Problems of Development and Countermeasures

商业银行是在市场经济中孕育和发展起来的。它是为了适应市场经济发展和社会化大生产需要而形成的一种金融企业。经过几百年的演变,商业银行已成为各国经济活动中最主要的资金集散地,并成为各国金融体系中最重要的组成部分。随着社会主义市场经济管理模式的确立,我国国有商业银行从组织管理体系到经营管理模式都发生了深刻的变革。深化银行业务创新和风险管理是当前我国国有商业银行的必由之路。

Commercial banks are in the market economy, bred and develop. It is to adapt to the market economy development and social needs of large-scale production and the formation of a financial enterprise. After several centuries of evolution, commercial banks have become the most important economic activities in the capital center. and the financial system has become the most important component. As the socialist market economic management model established, China's state-owned commercial banks from the management system of management patterns have undergone a profound change, deepening banking business innovation and risk management of China's state-owned commercial banks in the country.