随着对美谈判的成功,我国加入世贸组织已是日程表上的一个项目。“入世”后,根据市场准入和国民待遇原则,对外资银行在业务范围、机构设置和服务对象方面的限制将逐步减少或取消,外资银行将可以在入世后的第二年对企业办理人民币业务,在第五年可以在国内经营银行零售业务。国内商业银行将面临来自外资银行的巨大竞争压力。为对付这种压力,国内的银行必需进行改革或重组。 With the success of the negotiations on the United States, China's accession to the WTO is already a project on the agenda. “WTO ”, according to the principle of market access and national treatment, foreign banks in the scope of business, institutional settings and clients will gradually reduce or cancel restrictions, foreign banks will be able to enter the WTO the second year after the enterprise Renminbi business for the fifth year in the domestic retail banking business. Domestic commercial banks will face tremendous competitive pressure from foreign banks. To deal with this pressure, domestic banks must reform or reorganize.