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经过20年的改革,我国的金融体系已经发生了重大的结构性变革,一个以中央银行为领导,商业银行为主体,多种金融机构同时并存的多元化的金融体系已经形成。进入新世纪以来,国内经济结构、金融市场结构都在不断调整,随着欧元的正式诞生,国际金融环境也在经历巨变。中国在成功加入WTO后,国内商业银行即将面临着更加激烈的竞争环境。虽然新兴商业银行在管理体制和运营模式上都有了很大的改进,但与发达国家的银行相比,无论在资金实力、管理体制还是经营手段上都存
After 20 years of reforms, major structural changes have taken place in China’s financial system. A diversified financial system has emerged, with a central bank as the leader, commercial banks as the main body, and a variety of financial institutions coexisting at the same time. Since the beginning of the new century, the domestic economic structure and financial market structure have been constantly adjusted. With the official birth of the Euro, the international financial environment is undergoing tremendous changes. After China’s successful accession to the WTO, domestic commercial banks will soon face a more intense competitive environment. Although the emerging commercial banks have made great improvements in their management systems and operating models, compared with the banks in developed countries, they have maintained their financial strength, management system, and operating methods.