国有独资商业银行加入WTO后的主要问题和对策

与国际银行业相比,我国国有独资商业银行不适应新形势有以下几点:1.经营管理体制不健全;2.资产质量低下,坏账较多;3.金融贷款生硬;4.创新意识不强;5.对人才重视不够;6.对企业文化认识偏颇。针对以上几点,提出以下对策:1.立即着手进行四大国有商业银行的股份制改革;2.中央银行应加强对商业银行的监管力度;3.寻找最有效的坏账处置途径;4.国有商业银行应进行金融创新,增强发展后劲;5.制定科学的人才策略。

Primary Problems of Sole State-owned Commercial Banks After the Entry of WTO and Countermeasures

Compared with standards of international banks, sole state-owned commercial banks of our country have several deficiencies, as follows: 1. deficient in the system of management and administration ; 2. assets of inferior quality and high ratio of bad debts; 3. stiff financial loans; 4. lack of innovative awareness; 5. less attention to talent; 6. bias in understanding culture of enterprise . To counter these conditions, this article offers several countermeasures: 1. promptly start reforming the joint stock system toward the four largest commercial banks; 2. central bank should strengthen the supervision over commercial banks; 3. seeking for the most effective methods to settle bad debts; 4. state-owned commercial banks should undertake innovation of finance, enhancing developing power; 5. laying out the talent strategies scientifically.