入世后我国国有商业银行面临的挑战及对策

The Countermeasures and the Challenges of State-owned Commercial Banks after the Entrance to WTO

加入世界贸易组织 (WTO)后 ,我国金融业五年内将逐渐打破地理限制、客户限制和业务限制 ,全面对外开放 ,直接面对来自WTO成员国的竞争和挑战。作为在我国银行业占主导地位的国有商业银行将面临着资本实力、金融法律制度、经营管理模式、业务品种、监管方式、人员流动等方面的压力和挑战。如何应对呢 ?其主要对策是 :建立股份制 ,加快国有商业银行产权制度的变革 ;实行“混业经营” ,实现经营模式的多样化 ;重视表外业务 ,加快金融产品创新 ;完善金融立法 ,建立和健全与WTO基本规则相一致的金融法律制度 ;完善激励约束机制 ,搞好用人制度与报酬制度的改革 ;适应入世要求 。

After the entrance to WTO, the financial profession in our country will break the fields constriction, customer constriction and business constriction gradually in five years, and open to the outside in all kinds of fields to face the competition and challenges from the other number counties of WTO directly. The state-owned commercial banks, as the guiding organization in our country's financial field, will face the pressure from capital strength, financial law systems, management patterns, business assortments and other aspects. In this circumstance, how to solve these problems? The writer considers that through building stock systems, speeding the state commercial banks property right's transformation, practice mixed management realizing the diversified economy and other ways ,we can meet the competition and challenges better.