入世背景下的我国银行业竞争力分析

我国加入世界贸易组织后 ,外资银行将获得在中国的市场准入 ,由此 ,我国的银行业将面临巨大的挑战 ,而接受挑战的主体是国有商业银行。本文在分析比较我国四大国有商业银行和外资银行各自竞争优势的基础上 ,为我国商业银行入世后迎接挑战和提高竞争力提供政策建议和路径选择。

An analysis of the competitiveness of China's commercial banks with China's entry into the WTO

Once China enters into the WTO, foreign commercial banks and other financial institutions will soon obtain access to the Chinese financial market. Therefore, China's commercial banks, especially those state owned banks (the Big Four), will be confronted with stiff competition. This paper puts forward some suggestions on how to enhance the competitive advantages of China's commercial banks on the basis of a detailed comparison between the strengths and weaknesses of both domestic and foreign banks.