提升国有商业银行核心竞争力的有效途径.docVIP

提升国有商业银行核心竞争力的有效途径 摘 要 中国现今已经是全世界最具影响力的发展中国家，改革开放以来，我 国的经济体制已经从计划经济转变为市场经济，国民经济实力已经有 了显著地提高。在其中，国有商业银行起到了不可磨灭的重要作用, 国有商业银行是我国金融体系的主体，所以，如何提升国有商业银行 的竞争力是我国发展金融业的关键。随着中国加入WTO以来，我国的 金融市场口趋开放，外资银行纷纷进驻中国，对中国国有商业银行起 到了很人的威胁，本人将对现有中国国有商业银行的现状进行分析, 提出不足，并且通过数据，将我国商业银行与在华外资银行进行对比, 提出能够有力改善国有商业银行竞争力的建议。 关键词国有商业银行；竞争力；外资银行；建议 Effective way to enhance the corecompetitiveness of state-owned commercialBanks Abstract China today is already the worlds most influential developing countries, since the reform and open policy, our countrys economic system from planned economy into market economy, the national economic strength has increased significantly. Among them, the state-owned commercial bank plays an indelible role, state-owned commercial Banks is the main part of the financial system in our country, therefore, how to improve the competitiveness of state-owned commercial Banks is the key to the development of financial industry in our country. With Chinas entry into WTO, our countrys financial markets are opening, foreign Banks into China in succession, the state-owned commercial bank of China has played a great threat, I will analyze the current situation of the existing Chinese state-owned commercial Banks, and put forward, and through the data, the commercial Banks in China compared with foreign Banks in China, and puts forward effective Suggestions to improve the competitiveness of state-owned commercial Banks? Key word:State-owned commercial Banks； competitiveness； foreign Banks； advice 引言 一、文献综述 二、商业银行竞争力的体现 （一）银行现实竞争能力 （二）银行潜在竞争力 TOC \o 1-5 \h \z HYPERLINK \l bookmark16 \o Current Document \h （三） 银行竞争力的环境因素 8 HYPERLINK \l bookmark18 \o Current Document \h （四） 银行的竞争态势和竞争力的定量评价 9 HYPERLINK \l bookmark20 \o Current Document \h 三、 现国有商业银行的现状 9 HYPERLINK \l bookmark22 \o Current Document \h （-）中国银行业的竞争力日趋明显 9 HYPERLINK \l bookmark24 \o Current Document \h （二） 银行业金融服务与创新能力显著提升 10 HYPERLINK \l bookmark26 \o Current Document \h （三） 国有商业银行竞争力存在的不足 10 金融产品缺乏创新 10 银行资源分散,结构