国有商业银行核心竞争力现状分析

Core Competence Condition of State-owned Commercial Banks

银行资本是银行经营的首要条件。我国国有商业银行的资本充足率一直不容乐观 ,且存在创新能力整体水平差 ,风险意识淡薄 ,风险管理组织结构不完善 ,人才严重匮乏等弊端。核心竞争力是核心能力和核心资源相互整合的结果。我国国有商业银行当务之急是尽快克服现存的弊端 ,整合核心资源 。

The bank capital is first condition with bank running. There are some defects like bad enough ratio of capital, low level of innovation ability as a whole, infirmness in risk awareness, imperfection in risk management structure, severe scarcity of talent, etc. The core competitive force results from combination of core ability and core resource. Urgent tasks of China's state-owned commercial bank should overcome present defects, regulate core resource, form and upgrade core competitive force.