随着加入ＷＴＯ的临近，新兴商业银行面临着来自外资和国有商业银行的双重压力。面对如此压力，新兴商业银行如何才能在激烈的竞争中取胜？本文作者认为：银行信贷核心竞争力内涵 核心竞争力（ＣｏｒｅＣｏｍｐｅｔｅｎｃｅ）的英文原意是“核心能力或核心技能”。核心竞争力是 With the advent of accession to the WTO, emerging commercial banks are under double pressure from foreign investors and state-owned commercial banks. In the face of such pressure, how can emerging commercial banks win the fierce competition? The author of this paper believes that the core meaning of the core competitiveness of bank credit (CoreCompetence) in English is “core competence or core skills.” The core competitiveness is