入世后我国中小商业银行的战略应对

Strategic responses of the medium-and-small-sized commercial banks to China's entering into WTO

我国中小商业银行是适应市场经济发展的需要 ,按市场原则建立和发展起来的 ,是我国社会主义市场经济中不可缺少的部分。中小银行的存在与发展 ,一方面适应了社会主义市场经济条件下多种所有制成份不同的金融需要 ;另一方面也促成了多种金融机构分工合作、功能互补、平等竞争的金融服务体系的建立 ,为我国经济的发展做出了积极的贡献。但是 ,由于整体实力、业务范围及体制等方面的限制 ,中小商业银行进一步发展的潜力不足。随着我国加入世贸组织 ,中小银行将面对国内外大银行的双重竞争 ,面临的冲击是巨大的。在入世的新形势下 ,中小商业银行如何选择、调整其发展战略 ,具有重要的现实意义。

China's medium-and-small-sized commercial banks, required by the developments of China's market economy and established on the basis of market principles and practices, serve as an inseparable part of China's socialist market economic system. The existence of the medium-and-small-sized commercial banks and their developments, on one hand are adaptive to various financial needs of different ownership ingredients under China's Socialist Market Economy System, on the other hand serve to promote the set-up of a financial service system of complementary functions and fair competition among different financial institutions, make a lot of contributions positive and effective to China's economic growth. However, with China's entering into and performing in the fram of WTO, the medium-and-small-sized commercial banks will restricted by such factors as integral competitive power and sphere of businesses, face the waves of severe challenges. In such a brand new situation, how to choose, adjust and push their strategies realistically means a great deal to the medium-and-sized commercial banks.