我国已经入世，外资银行将逐步大举进入国内市场。这必然会加剧金融服务竞争，我们面临着国内和国际两个方面的竞争。面对如此严峻的局面，我们不仅在思想上要有紧迫感和危机感，还要有善待对手的心境。有了对手，并不可怕。相反，一个人如果没有对手，那他就会甘于平庸，养成 China has entered the WTO, foreign banks will gradually large-scale access to the domestic market. This will inevitably exacerbate the competition in financial services. We face competition both in domestic areas and in the international community. In the face of such a severe situation, we not only have the sense of urgency and crisis in our thinking, but we also need to treat our opponents with ease. With the opponent, not terrible. On the contrary, if a person without an opponent, he will be willing to mediocrity, develop