入世幾年來我國商業銀行適應性調整及思考

國際貿易論文編號:GM064   包括:開題報告及任務書,論文字數:13947,頁數:20

目   錄

引言   ...........................................2
1 商業銀行加入WTO前的情況 ........................2
1.1經營方式落后 ..................................2
1.2不良資產負擔重 ................................3
1.3公司治理結構不合理 ............................4
1.4對外界缺乏透明度 ..............................5
2 過渡期內商業銀行的適應性調整 ...................5
2.1管理方面調整 ..................................5
2.2 政策方面的調整............................... 9
2.3 市場戰略的調整 ...............................10
3  對過渡期結束后商業銀行適應性調整的思考 ........14
3.1 增強銀行服務能力 .............................15
3.2 銀行從分業經營走向混業經營 ...................15
3.3銀行走向國際化 ................................16
參考文獻 .........................................19
致謝  ............................................20

摘   要

     自2001年我國加入WTO以來，商業銀行發生了很大的變化，在各個方面都出現了轉變。相比于以前，更多的商業銀行，特別是四大國有銀行都取得了世人矚目的業績，2006年中國銀行，中國工商銀行成功上市更是讓世界關注。現在，我國商業銀行除了本來所具有的網點多，基礎雄厚的特點外，為了適應來自世界的挑戰，商業銀行也對自身做了多方位的調整。此文主要就幾年來我國商業銀行為WTO而做出的適應性改變作為研究對象，通過數據對比說明，并從前后狀況對比闡述變化，從管理方面,政策方面,市場戰略方面分析變化，從商業銀行股份制改革，內控機制和監管系統的建立，外資銀行的國民待遇以及經營方式等各個方面來具體解釋變化，最后對過渡期結束后商業銀行的發展去向再做一個分析。在面臨世界上各大國際銀行進軍我國銀行業的局勢下，我們的商業銀行應該抓緊時間完成現代商業銀行制度的轉變，精彩地“與狼共舞”。

[關鍵詞]  現代商業銀行 股份制改革 外資銀行 國民待遇 公司治理

Abstract

As our entry into WTO, there are many changes on our commercial bank in several ways. In contrast to the past, more commercial banks especially four stated-own commercial banks made a great progress in these five years, and the listing of Bank of China and Industry and Commercial Bank of China attract the attention all over the world. Nowadays, our commercial bank accommodated them in order to adapt the challenge from the world. The article mainly research about the changes to adapt the situation as a member of WTO, concluding extensive data and many instances to explain what they have done with the changes, then analyzed the changes in the sight of macro and micro, explained them in several part, for example, the reform of stock-holding system, internally piloting mechanisms and supervision system, the national treatment of foreign capital bank and the modes of operation. Finally, it makes an analytic expression prospect of our commercial bank. In face of challenges all over the world, our commercial bank should lose no time to accomplish the reform, then “dancing with the wolves”.

[Key words]  Modern Commercial Bank, Stork-holding System Reform
Foreign Capital Bank, National Treatment, Corporation Governance