后开放时代的中国银行业核心竞争力研究

加入WTO的过渡期已经结束,中国银行业的核心竞争力状况究竟如何,已成为国内外广泛关注的焦点。从总体上来看,在五年过渡期内,中国银行业的核心竞争力有所上升,特别是改制后的国有商业银行的竞争力与外资银行的差距正在逐渐缩小,从而表明银行业的改革和发展取得了重要的进展;然而,中国银行业的竞争力参差不齐,出现了分化趋势,而且在核心资源和核心能力的主要方面仍与国际先进银行存在着较大的差距。因此,中国银行业的改革需要从决定竞争力的深层次因素上实现实质性的突破,即真正建立并完善公司治理结构、完善和强化风险管理体系、培育和提升银行创新能力、深化人力资源管理改革。

Research on the Core Competitiveness of Chinese Banking after WTO Accession Era

As the WTO accession era is about to conclude,the core competitiveness of Chinese banking has become the focus at home and abroad.In the five years after China's entry into WTO,the core competitiveness of Chinese banking has risen as a whole.Especially,the gap of core competitiveness between Chinese state_owned banks after reforms and foreign banks has been narrowed gradually,which demonstrates that the reform and development of Chinese banking make great progress.On the other hand,the core competitiveness differs among Chinese banks,and there is still a large gap between Chinese and foreign banks in the chief parts of core resources and core capabilities.Therefore,the reform of Chinese banking should be broken through essentially in the deep factors which determine the core competitiveness.The factors include that in order to establish and improve corporate governance structure,to perfect and strengthen risk management system,to cultivate and upgrade banking innovative capacity and to deepen human resources management reform.The reform of Chinese banking still has a long way to go.