关于城市商业银行改革发展思路的探索

随着国有商业银行的改制步伐加快、股份制银行引进外资,以及外资银行进入我国带来愈加紧迫的压力,历史上一直被认为发展受限制很多的城市商业银行的危机感日渐深重。在此背景下,作者以招商银行的优势和成功经验为参照,针对城市商业银行存在的问题,提出了今后应对新形势变化、适应新的监管要求的改革与发展思路。

As national commercial bank＇s system- changing speed up, along with share -holding banks introducing into foreign capital and pressure from the entrance of foreign capital banks, citv commercial banks which are thought to have been restricted a lot in the history feel crisis getting more and more critical. Under this background, the author refers to China Merchants Bank＇ s advantages and successful experience, focuses on existing problems in city commercial banks, presents innovation and development thoughts against new change of situation and adapting new regulatory requirement.