国有商业银行改革所面临的困难及改进措施

The Difficulties Chinese State-owned Commercial Bank Face and Improvement Methods

随着加入WTO后金融领域的逐步开放和外资银行的大批涌入 ,国有商业银行的改革和创新日益紧迫 ,而影响国有商业银行发展和竞争力的根本因素依然存在 ,如资本严重不足、治理结构及经营机制不完善、经营环境不健全等。要解决这些问题 ,不仅需要商业银行本身加大改革力度 ,大胆进行制度创新 ,建立法人治理结构 ,还需要国家有关部门在宏观调控和具体政策上为国有商业银行营造有力的政策和市场环境。

When the financial field is being open and foreign banks is coming into China, the state-owned commercial banks need to reform and innovate themselves rapidly. But the effect on development and competitive ability of the state-owned commercial banks, just like insufficient capital, bad operation system and environment, still exist. The way to cope with these problems is to reform and innovate themselves, to set up corporate governance. Moreover, the reform of the state-owned commercial banks need the government built the helpful market environment by giving some special policies.