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从1992年我国把发展市场经济确立为经济体制改革的目标后,整个“八五”期间金融体制的改革进入了实质性阶段,突出表现在六个方面,一是金融监控力加强了,抑制了金融市场的混乱现象;二是确定了中央银行在金融市场中的位置,以《中国人民银行法》明确了中央银行在国务院领导下制定和实施货市政策并对金融业实施监管的权威;三是成立了三家政策银行,重新确定了四大专业银行的发展方向和在金融市场中的位置;四是大胆平稳地推出外汇制度的改革;五是明确了中国金融市场进一步对外开放的方针;六是《中国人民银行法》、《商业银行法》、《保险法》、《担保法》、《票据法》和《关于惩治破坏金融秩序犯罪的决定》等一系列规范多事主体及运行规则的法律相继出台.建设银行处在这样的宏观多事环境中,开始了艰难转制和商业化改造,用总行王岐山行长的话说:建设银行处在了“内忧外患”、“死里逃生”的关键时期、从外部环境看.竞争越来越激烈,与其它金融机构、非银行金融机构和信用社,尤其是与地方银行、外资银行相比,建设银行还没有发挥出自己的经营优势、还没有展示出其特有的魄力,因而也就缺乏市场的竞争实力.从内部环境看.
Since China established the development of a market economy as the target of economic restructuring in 1992, the entire reform of the financial system has entered a substantive stage during the Eighth Five-Year Plan. The reform has manifested itself in six aspects. First, financial monitoring and control have been strengthened and suppressed The second is to determine the central bank’s position in the financial market, the “People’s Bank of China Law” clearly the Central Bank under the leadership of the State Council to formulate and implement the cargo market policy and the authority of the financial sector; The establishment of three policy banks; the redefinition of the direction of the development of the four specialized banks and their position in the financial markets; the forthcoming reform of the foreign exchange system boldly and steadily; the fifth is the formulation of a further opening-up policy for China’s financial markets; and the sixth Is a series of laws and regulations that regulate the body of things and operating rules such as the Law of the People’s Bank of China, the Law on Commercial Banks, the Insurance Law, the Guarantee Law, the Notes Law and the Decision on Punishing Crimes Destroying the Financial Order Have been introduced.China Construction Bank in such a macro event environment, began a difficult restructuring and commercial transformation, with the headquarters of Wang Qishan Long term: China Construction Bank is in a critical period of “internal and external crisis” and “escape from death.” From the perspective of the external environment, the competition is getting fiercer and tougher with other financial institutions, non-bank financial institutions and credit unions, Compared with local banks and foreign banks, China Construction Bank has not yet demonstrated its own advantages in management and has not yet demonstrated its unique courage and thus lacked the competitive strength of the market.