WTO背景下国有商业银行的竞争力分析与战略选择

State Commercial Bank Capability Analysis & Strategy Election Under WTO

低成本战略和歧异性战略向来是企业获得竞争优势的两种战略。经营成本高 ,效益低 ,业务创新能力弱 ,大银行、小功能构成本文对国有商业银行劣势竞争能力的基本判断。WTO框架下 ,面对外资银行的激烈竞争 ,国有商业银行提升竞争力的战略选择是实施制度变革 ,重塑金融功能 。

This paper argues that the State owned commercial banks are lack of quality in the competition to survive because of high costs,low profit and poor ability of innovation.After China joins the WTO,the state owned commercial banks should make institutional transition to raise competition ability and financial function as well as run mixed operating mechanism.