中国商业银行的现状分析

国有商业银行是我国金融体系的主体，但由于长期受计划经济的影响，国有商业银行远远不能适应市场经济，特别是金融全球化发展趋势的需要。作者针对我国四大国有商业银行在机构设置、业务经营、管理手段以及金融创新等方面存在的问题，提出收缩管理半径，减员增效；实行本币与外币业务经营及管理一体化；强化商业银行市场营销；提高金融电子化水平，开展和完善网上银行业务；加强国有商业银行内部风险控制等有效对策，完善网上银行的运行机制，加强国有商业银行的竞争力。

An Analysis of the Present Situation of Chinese Banking Sytem

State commercial banks are the principle part in Chinese financial system, yet affected by planned eocnomy, state commercial banks cannot meet the need of market economy, esp , the developing tendency of global finance. To counter problems in four state commercial banks such as problems in arrangement of organizations, business management ,management skills and new creation of finance ,the author makes suggestions such as contracting management radius, reducing numbers of workmen and increasing beneficial result ,carrying on integrated management and administration of Ren Min Bi and foreign currency ,strengthening market sales of commercial banks, improving bank business ,having risks within state commercial banks under control etc. By these measures, the operation system of state commercial banks may be perfected and the competitive power may be strengthened.