我国城市商业银行发展的新趋势、制约因素及对策分析

成为世界贸易组织的正式成员,一方面意味着中国经济将全面融入国际经济体系,作为全球金融市场的参与者,充分享受当代国际分工的比较利益;另一方面,也意味着长期处于高度政策壁垒下的中国银行业,将逐步暴露在世界金融市场的激烈竞争中。对于迫在眉睫的发展与改革时机,国有商业银行、股份制商业银行等国内金融机构纷纷加快了改革创新的步伐,力求以市场机制为基础,在日渐成熟有序的金融市场运作体制和监管机制的条件下,全面提升自己的竞争实力和抗风险能力。

An Analysis of and the Countermeasures to the New Orientation, the Restric ting Factors for the Development of Commercial Banks in the Cities of China

Being a formal member of the WTO and a qualified participator of the global financial market, China has been involved into the international economic system and shared the comparative advantages of international division of labor. On the other hand, the domestic banking industry will be exposed in the competitive environment of the international financial market. Standing at the turning point of the development and reformation, a number of domestic financial organizations such as the state-owned commercial banks and the joint-stock commercial banks have quickened their steps for financial innovation and reformation. Based on the market economy system, these banks strive for the development of their competitive capability and the ability to resist expected risks under the growing systems of financial operations and monitoring in the market.