21世纪我国商业银行面临的挑战与对策

The Challenges and Solutions the Commercial Bank of China will Face in the 21^(st)Century

21世纪,我国商业银行将要面临来自资本市场、外资银行、网络银行及非银行金融机构的挑战。因此,本文认为,我国商业银行应该与资本市场共同发展、注重自身建设、积极拓展网上银行业务并加强与非银行金融机构的合作。我国商业银行只有勇于改革和创新,才能在激烈的竞争中求得生存和发展。

The commercial bank of China will face the challenges from the capital market,foreign-capital bank,internet bank and the non-bank financial institution in the 21stcentury.The thesis puts forward that the commercial bank of China should develop with the capital market,improve their own construction,expand internet bank business and strengthen the co-operation with non-bank financial institution.The commercial bank of China must promote reforming and innovating so that they could have the survival and development in the serious competition.