加入WTO国有商业银行面临的风险及其防范

中国加入WTO后 ,遭受外资银行重大冲击的国有商业银行将面临体制性风险、流动性风险、投融资风险和财务风险等。面对这些风险 ,国有商业银行必须采取建立健全银行风险预警系统 ,尽快完成企业化改革 ,提高资本充足率 ,积极化解不良资产 ,加快金融创新步伐 ,在四行联手以提高其竞争力的同时 ,加强与外资银行的国际协调等措施防范和化解风险

Risks and their Warding-off for State-Owned Commercial Banks after Entering WTO

After entering WTO, Chinese state-owned commercial banks will face the following risks: system risk, credit risk, investment risk, financing risk, financial risk and so on. In order to ward off and avoid risks, it is necessary for Chinese state-owned commercial banks to take measures like establishing and bettering the bank risk system, completing as early as possible the reform of transforming banks into enterprises, improving the capital adequacy ratio, releasing positively the non-performing loans, accelerating the financial innovation steps, and strengthening the international coordination with foreign-funded banks while joining the efforts of the four main state-owned commercial banks to increase their competitiveness.