外资银行已经离我们越来越近。消费者对不久后即可享受到的高质量服务,充满期待和渴望;国内银行业对即将面临的竞争,或许也感觉到了不少压力。我们希望,这种压力最终能转化为动力,使银行业的整体经营水准得到提升。从某种意义上来说,我国银行业市场目前仍存在垄断,这种垄断根植于制度,不可避免地造成银行经营同质化,缺乏充分竞争的土壤。虽然近几年来我国银行体制改革颇有成效,但距完全市场化尚有很长的路要走。消费者之所以对外资银行寄予厚望,一方面,是希望他们给我们带来先进的产品、优质的服务和“上帝”的感觉;另一方面,也是对加快银行业市场化的一种痴心期待。然而,外资银行只是外来的金融企业而已,推动市场化进程的最主要力量,还是我们自己。“橘生淮南则成枳”,外资银行不会令人失望吧? Foreign banks are getting closer and closer to us. Consumers are expecting and longing for the high-quality services they can enjoy in the near future. The domestic banking industry may feel a lot of pressure on the upcoming competition. We hope that such pressure will eventually be transformed into an impetus for the overall management of the banking industry to be upgraded. In a sense, there is still a monopoly in the banking market in our country. Such a monopoly is rooted in the system and inevitably results in the homogenization of banks and the lack of full competition in the soil. Although the banking system reform in our country has been quite successful in recent years, it is still a long way from completely market-oriented. The reason why consumers place great hopes on foreign-funded banks is that on the one hand, they hope that they will bring us advanced products, excellent services and the feeling of “God.” On the other hand, they are also a delightful expectation of accelerating the marketization of the banking industry. . However, foreign banks are only the foreign financial enterprises, the most important force in promoting the marketization process, or ourselves. “Orange Health Huainan is trifoliate orange”, foreign banks will not be disappointed?