加入WTO中小商业银行市场定位的战略选择

Strategic Choices of the Market Location for the Medium-and-small Commercial Banks after Entering the WTO

我国中小商业银行市场定位存在同质同构现象严重、缺乏战略规划等问题。加入WTO后,外资银行的涌入将从业务范围、经营管理机制等方面对我国中小商业银行形成冲击。因此,我国中小商业银行应实行混业经营、发展网络银行等,以应对外资银行的冲击。

The serious phenomena of homogeneous quality and homogeneous structure and lack of strategic plans exist in our medium-and-small commercial banks. After entering the WTO, the appearance of the foreign banks will impact them from business circles and business administration mechanism. Hence, mixed administration and net banks should be used for our medium-and-small commercial banks to deal with the impact from the foreign banks.