中外银行竞争力实证分析

改革开放以来 ,我国银行业经历了渐进开放和探索的过程 ,己基本形成以中央银行为核心 ,国有商业银行为骨干 ,中小股份制银行并存的局面。加入WTO以来 ,银行业作为我国重点开放行业已经开始受到冲击 ,中外资银行展开了全方位的竞争。由于竞争优势的不同 ,我国银行业将面临巨大的压力和挑战。本文将从实证的角度分析我国商业银行的综合竞争能力并与国外同业加以合理比较 ,寻找差距 ,并提出相关政策建议。

A Empirical Analysis on the Competitiveness of Commercial Banks

Since the reform and opening-up, the banking system og our country has already developed into such one with the central bank as the core, the state-run commercial bank as the backbone, and small and medium-sized shareholding banks in coexistence. With the accession to the WTO, the domestic and foreign commercial banks have launched the omni-directional competition. Because of their different competitiveness the banking of our country will be faced with enormous pressure and challenge. This paper makes an analysis on the overall competitiveness between domestic and foreign commercial banks, and puts forward the corresponding policy recommendations.