国有独资商业银行竞争力问题与对策

Competitiveness of State-owned Commercial Banks

商业银行的竞争力为在保证安全发生性和流动性的前提下获取最大利润的能力。加入WTO对我国金融市场的开放提出了新的挑战,国有独资商业银行竞争力受到较大的威胁。影响国有独资商业银行竞争力的主要因素有:产权制度落后、经营风险较大、内控制度不健全、创新能力不强等。基于以上影响因素,就要加快商业化改革进程、改变经营观念、开展金融创新、清收不良贷款和加强内控制度建设等,这样才能有效地提高国有独资商业银行的竞争力。

The competitiveness of commercial banks refers to as the earning ability while keeping safety and liquidity of the assets. Entry to the WTO brings forward a new challenge to Chinese financal market, especially the four state-owned commercial banks. There are some restrictive factors as follows: backward property right system, weak internal control and innovation ability, etc. In order to improve their competitiveness, state-owned commercial, banks should accelerate the reform of commercialization, better concepts of management, conduct financial innovation, dispose bad-performed assets and reinforce internal control.