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在国有、股份制及外资等三类银行中,目前号称“四大金刚”的中、工、农、建等国有商业银行约占70%份额。据有关部门预测:入世后,外资银行将从现在的50多家增至100多家。入世五年后,中国政府将允许外资银行享受国民待遇。外资银行将凭借其雄厚的实力,在其扩大业务领域的同时,也将吸纳大量国有银行的业务人员。上海的四大国有商业银行人数总量好像不少,但其结构分布并不合理,高学历、高素质的人才十分欠缺,一线业务人员严重不足,懂国际金融专业的人才更是少得可怜。从目前“四大金刚”的现状看,主要缺乏以下五类人才:
Among the three types of state-owned, joint-stock and foreign-funded banks, state-owned commercial banks such as the Workers, Farmers, and Construction currently account for 70% of the total. According to the forecast of relevant departments, after the accession to the WTO, the number of foreign-funded banks will increase from the current more than 50 to more than 100. Five years after its accession to the WTO, the Chinese government will allow foreign banks to enjoy national treatment. Foreign banks will, by virtue of their solid strength, expand their business areas and at the same time absorb a large number of state-owned bank operational staff. Although the total number of the four state-owned commercial banks in Shanghai seems to be quite large, the distribution of their structure is irrational. There is a shortage of highly educated and highly qualified personnel. There is a serious shortage of front-line business personnel and scarce resources for professionals in the field of international finance. Judging from the current status of the “Four Diamonds”, the following five types of talents are mainly lacking: