建立我国的新型全能银行

Establishing Our New All-field Bank

近段时期 ,随着我国加入世界贸易组织的日期日益接近 ,金融业如何迎接自国外的强烈挑战 ,也成为人们议论的热点 ,“狼来了”之声不绝于耳 ,因为金融是一个关系到国计民生的行业 ,而我国银行的情况绝对不容乐观 ,特别是老四家国有商业银行 ,它们资产负债率、不良资产率较高 ,提供的金融服务种类较少 ,与外国竞争者相比明显处于劣势。鉴于这种情况 ,笔者认为 ,建立我国的全能银行 ,提高我国商业银行的竞争力势在必行。

Recently, with the date of China’s entering WTO coming,it has become the focus how our finance faces the challenge from overseas and the voice “Wolves are coming ”has been louder and louder,because it deals with our national economy and the people’s life. But our banks, especially the old four state-owned ones, can’t make us optimistic. Their liability-asset rate and unhealthy-asset rate are comparatively high and they provide very a few quantity of financial services. Therefore, they are in inferior positions when they compete with their foreign competitors.In view of the situation, the author think it is irresistible to set up our all-field banks.The author’s points are as follows.