加入WTO:国有商业银行的国际业务如何应对外资银行的冲击

After Entering WTO:How Will the State-owned Commercial Banks Compete with Foreign Banks in China Internationally:

加入WTO后 ,我国银行业务最先受冲击的是国际业务。因此 ,应建立健全法律规范 ,加强并改善央行的金融监管 ;改变目前我国商业银行分支机构设立中的计划方式 ,代之以经济手段 ;依法控制中、外银行业务范围及新增业务品种 ;加强对中、外银行资本金、资本充足率、风险度的管理 ;加快我国银行改革步伐 ,以增加竞争能力和风险防御能力 ;利用发展中国家保护条款 ,借鉴WTO其它成员国经验 ,加强对国有商业银行的保护。

After entering WTO,direct impact will be on our bank's business abroad.In view of this,we must set up a sound legal standard,enhance and improve our financial supervision and control through the central bank,replace the planned way in setting up branches of the national commercial bank by economic means,keep the business operation and new business undertakings of Chinese and foreign banks under control according to law;intensify our control over their banking capital,their capital sufficiency rate and risk limits;quicken our pace of reform of Chinese banks to strengthen their ability to compete and their defence against risks;take advantage of the protective provisions for developing countries and draw lessons from other WTO members so as to strengthen protection of China's state owned commercial banks.