“后WTO时代”我国国有商业银行的发展思路

我国银行业“后WTO时代”的市场格局正在形成,在这样一个背景下,由于国有商业银行和外资银行各有其比较优势,也由于除资产、技术、管理等因素外,应对策略和措施也是影响经营绩效这一函数解的一个更重要的变量,因而中外银行市场竞争的前景具有很大的不确定性。面对外资银行的竞争压力,中国国有商业银行要积极进取,在产权改革、成本管理、金融创新等方面不断探索,从而趋利避害,在竞争中实现国有商业银行的跨越式发展。

The market pattern of the Chinese banking industry in the times after entering WTO is forming. Considering the foreign bank and the Chinese state-owned commercial bank each has its own comparison advantage, and the strategy is a more important factor to operation performance than assets, technique, managing and so on, so the market foreground becomes uncertain. Facing the competition pressure, the Chinese state -owned commercial bank should be positive and enterprising, continuously explore in property right reform, cost management, financial innovation etc. , in order to develop fast in the competition