摘要
按照入世协定书中的开放时间表,我国在入世5年后也即2006年底将实行金融业的全面开放。本文认为,我国金融市场完全开放将对国内商业银行带来深远影响:一是在政策层面,经济政策、金融政策、配套政策的进一步开放将使金融业的进入门槛降低,从而带来竞争主体的多元和竞争的更加市场化;二是在市场层面,客户的金融知识的普及和客户的议价能力的提高造成客户对银行需求也在不断提高;三是在竞争层面上,竞争主体、竞争模式和竞争手段的改变将使银行业面临更为复杂的竞争局面。为应对上述影响,国有商业银行应根据自身优势,扬长避短,根据不同情况,综合运用不同战略,以期达到持续发展的目标。
Under market-opening pledges in her WTO accession Agreement, China will completely open her financial sector in five years after accession or by the end of 2006. It is believed that such a move will have a far-reaching significance on our domestic commercial banks： firstly at the policy level, the further opening of economic policy, financial policy, supporting policies will lower the threshold of our financial market and diversify the structure of market players and marketize competition; secondly at the market level, with the spread of financial kfiowledge and improvement of bargaining ability, customers will set higher demand on banks and thirdly at the competition level, the change in competitors＇ structure, competitive models and competitive methods will make competition increasingly complex. To face up with the above-mentioned scenario, state-owed commercial banks should resort to different strategies in different situations by making best use of their own advantages and by passing disadvantages so as to reach the goal of sustained development.
出处
《金融论坛》
CSSCI
北大核心
2006年第3期11-17,共7页
Finance Forum
关键词
金融业
全面开放
国有商业银行
外资银行
竞争
financial sector
fully open
state-owned commercial banks
foreign-funded banks
competition
