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加入 WTO以后 ,外资银行将在我国享受国民待遇 ,这将对我国银行业带来极为不利影响。因而 ,争取在未加入 WTO前的这段保护期内培养我国商业银行竞争力已是当务之急。应从我国银行业存在的几个问题 :业务单一、创新不够 ;金融监管不力 ;金融从业人员素质偏低 ;社会信用环境这几方面着手 ,制定相关对策 ,缩小与外资银行的差距 ,使我国商业银行在未来竞争中立于不败之地。
After joining the WTO, foreign banks will enjoy national treatment in our country, which will have a very adverse impact on the banking industry in our country. Therefore, it is imperative to strive to cultivate the competitiveness of China’s commercial banks during the period before the accession to the WTO. Should be from the banking industry in our country there are several problems: a single business, innovation is not enough; poor financial supervision; low quality of financial practitioners; social credit environment in these areas to develop relevant measures to narrow the gap with foreign banks so that China’s commercial banks In the future competition in an invincible position.