国有商业银行的改革与发展

The Reform and Development of the State-Owned commercial Banks

国有商业银行是我国金融业的主体 ,在国民经济和社会发展中发挥了重要的作用 ,但其本身不良资产比例高、风险隐患大、经营效益和竞争力较低的问题也相当突出。国有商业银行改革滞后已阻碍了我国国民经济继续保持高速增长 ,因此 ,必须加快推进国有商业银行改革。

The commercial banks are the main body of our financial industry which plays important role in our national economy and social development, but their problems such as the high proportion of bad assets, big risk and low operating efficiency and competitiveness, protrude. The delay of the reform of the state-owned commercial banks has prevented the sustainable fast development of our national economy. Therefore it is necessary to quicken the reform of the state-owned commercial banks.