“人才是最重要的资本”是企业发展的第一要素。中国在加入wto后,外资银行纷纷挺进中国,是一场“人才大战”。四大国有商业银行在金融业如火如荼的竞争中,将同时面临国内商业银行和更多外资银行抢夺人才的严峻形势,人才竞争己成为一个首要面对的重要问题。因此,国有商业银行在人力资源管理配置与管理存在的问题和对策,有着许多崭新的课题,亟待我们共同来研究和面对,这必将对国有商业银行未来业务的创新与发展具有十分重要的意义。 “Talent is the most important capital ” is the first element of business development. After China joins wto, foreign banks have advanced into China one after another. This is a “talent war”. In the fierce competition in the financial industry, the four state-owned commercial banks will face the severe situation of robbing talent by domestic commercial banks and more foreign-funded banks at the same time. Talent competition has become an important issue to be faced with. Therefore, the state-owned commercial banks have many new problems in the allocation and management of human resources management and their countermeasures, and they are urgently needed to be researched and confronted with each other. This is bound to be of great importance to the innovation and development of the state-owned commercial banks’ future businesses significance.