推进商业银行经营管理与业务创新的应对策略

Improving the Management of the Commercial Bank and the Tactics of the Creativity

二十年来,中国对金融体系进行市场化改造,先后采取了许多金融改革措施,取得了明显的效果。然而,由于传统的惯性和银行业的特殊性,银行业改革中的一些深层的矛盾仍未得到解决。从产权制度、管理体制和运行机制等方面看,中资银行离真正意义上的现代商业银行还相差甚远。加入世贸以后,占据产品优势的外资银行进入对商业银行的经营管理构成较大的威胁,对商业银行未来发展产生深远的影响。为此商业银行必须积极采取措施,把科学发展观落实到商业银行的经营管理中,这对推进商业银行业务创新,具有极其重要的现实意义。

For 20 years China has taken many measures for financial reformation a noticeable effect in financial system market. However, some deeper contradictions haven't still been solved owing to its traditional habitual practice and its specialization. From the system of property right and management to operation mechanism, Chinese capital banks are far away from the real modern commercial banks. After entering WTO the foreign capital banks which have advantages with business greatly threaten the operation and management of the commercial banks and affect development of the commercial bank. The commercial banks ,therefore, must take active measures to carry out the commercial bank's management with the sense of scientific development and to improve the creativity in work of the commercial banks, which has very important significance in bank work.