我国加入WTO后，金融业逐步对外开放，中资银行与国外银行的全面竞争业已初见端倪。然而，由于国企改革以及商业银行自身经营机制等内外问题的困扰，商业银行多年来积累的风险及其应对外资银行激烈竞争的实力这两大问题引起了社会的广泛关注。如何在平衡国家全局利益的基础上改 After China’s accession to the WTO, the financial industry has gradually opened to the outside world and the overall competition between Chinese banks and foreign banks has begun to take shape. However, due to the internal and external problems such as the reform of state-owned enterprises and the self-management mechanism of commercial banks, the risks accumulated by commercial banks over the years and the strength of their response to the fierce competition of foreign-funded banks have aroused widespread public concern. How to balance the overall interests of the country based on the change