入世几年来我国商业银行适应性调整及思考

论文编号:GM064   包括:开题报告及任务书,论文字数:13947,页数:20

摘   要

     自2001年我国加入WTO以来，商业银行发生了很大的变化，在各个方面都出现了转变。相比于以前，更多的商业银行，特别是四大国有银行都取得了世人瞩目的业绩，2006年中国银行，中国工商银行成功上市更是让世界关注。现在，我国商业银行除了本来所具有的网点多，基础雄厚的特点外，为了适应来自世界的挑战，商业银行也对自身做了多方位的调整。此文主要就几年来我国商业银行为WTO而做出的适应性改变作为研究对象，通过数据对比说明，并从前后状况对比阐述变化，从管理方面,政策方面,市场战略方面分析变化，从商业银行股份制改革，内控机制和监管系统的建立，外资银行的国民待遇以及经营方式等各个方面来具体解释变化，最后对过渡期结束后商业银行的发展去向再做一个分析。在面临世界上各大国际银行进军我国银行业的局势下，我们的商业银行应该抓紧时间完成现代商业银行制度的转变，精彩地“与狼共舞”。

[关键词]  现代商业银行 股份制改革 外资银行 国民待遇 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

目   录

引言   ...........................................2
1 商业银行加入WTO前的情况 ........................2
1.1经营方式落后 ..................................2
1.2不良资产负担重 ................................3
1.3公司治理结构不合理 ............................4
1.4对外界缺乏透明度 ..............................5
2 过渡期内商业银行的适应性调整 ...................5
2.1管理方面调整 ..................................5
2.2 政策方面的调整............................... 9
2.3 市场战略的调整 ...............................10
3  对过渡期结束后商业银行适应性调整的思考 ........14
3.1 增强银行服务能力 .............................15
3.2 银行从分业经营走向混业经营 ...................15
3.3银行走向国际化 ................................16
参考文献 .........................................19
致谢  ............................................20