加入WTO，将使国有商业银行直接面对外资银行的强大竞争。从国有商业银行的竞争实力看，呈现出优势与劣势并存的局面。正确分析优、劣势，对于工商银行知己知彼、取长补短、争取竞争主动权至关重要。 外资银行的优势是非常明显的。一是外资银行有着先进的经营管理经验，同时有 Joining the WTO will enable state-owned commercial banks to directly face the strong competition from foreign-funded banks. Judging from the competitive power of state-owned commercial banks, the advantages and disadvantages coexist. Proper analysis of strengths and weaknesses, for ICBC acquainted themselves, learn from each other, for competition initiative is essential. The advantages of foreign banks is very obvious. First, foreign banks have advanced management experience, at the same time