“十五”期间中国银行业的回顾与展望

“十五”期间，我国国有商业银行体制改革取得重要进展，其他银行机构改革有序推进，促进银行改革和创新的政策措施不断出台，商业银行的监管体制日益完善，银行业的对外开放逐步扩大。“十一五”期间，增长方式的转变及财税体制改革等将为我国银行业的发展带来机遇，行业竞争加剧，银行改革将迎接全面开放检验，金融体制市场化改革将考验商业银行，加重银行业市场风险，综合经营将从试点走向推广，金融创新不断涌现。

A Review of and Outlook at China's Banking Industry in the Period of the 10th-five-year

An important progress has been made in China＇ s state-owned commercial bank regime reformation in the period of the lOth -five-year,and reformations of other bank institutions have been promoted in order. Policies and measures for promoting bank＇ s reformation and innovation have been made continuously. Regulatory regime for commercial banks is constantly improving. Open door policy to the outsier world in banking industry had been progressively broadened. In the Period of the 11 th -five-year, alteration of growth mode and fiscal and taxation regime reformation will bring opportunity to the development of China＇s banking industry; industry competition will be more tense; banking reformation will be confronted with an overall examination ; market-oriented reformation of financial regime will examine commercial banks ; market risks of banking industry will be more serious ; comprehensive operation will be extended from trial, financial innovations will come out continuously.