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银行是国家的金融中心,控制着国家的经济大动脉。它的发展成败事关百姓生活质量和社会稳定大局的走向。虽然它作为一个金融服务性机构,可它的地位日益显的重要。在加入WTO之后,我国银行业无可非议也面临着一场革命。通过剖析我国国有商业银行业内部机制不健全、外部监管不力等因素所导致的不良贷款比例居高不下的现状,不能不令人担忧,为了求得银行业的稳健发展,全面与国际金融业接轨,改革势在必行,能否开好整治第一刀,这对正处于转型期的我国银行业来说至关重要。
The bank is the country’s financial center, controlling the country’s economic arsenal. Its success or failure is related to the overall quality of life and social stability of the people. Although it is a financial services organization, its status is increasingly significant. After China’s accession to the WTO, China’s banking industry is also facing a revolution without hesitation. By analyzing the unsound state-owned commercial banks in our country, the poor external regulation and other factors lead to the current situation with a high proportion of non-performing loans, we can not but cause for concern. In order to achieve the steady development of the banking industry, we should fully integrate with the international financial industry , The reform is imperative and it is of crucial importance to our banking industry in transition.