WTO的挑战与银行业的改革

随着我国经济一体化进程的不断加快，中国加入WTO后，外资银行将凭借其雄厚的资本实力、健全的经营体制、丰富的融资品种和良好的人才结构，给我国整体竞争力较为低下的银行业带来巨大的冲击和挑战，但同时也会给我们带来一定的发展机遇。因此，我国银行业要以市场化为基本取向，进一步深化金融体制和融资模式改革，充实资本金、培育金融市场，创新金融服务，在渐进开放的过程中，充分发挥本土优势，努力提高我国银行业的整体竞争力。

Challenges of WTO and the Reform of Banking Industry

Along with the process of Chinese economic unity and the accession into WTO,foreign banks poses great challenges to the Chinese banking industry,based on their capital capacity,effective management system and efficient human resources structure,and there are opportunities too at the same time.Therefore,based on market oriented reform,the banking industry in China should deepen the reform of financing system,foster the development of financial market,innovate financial services,and raise competition capacity of banking industry in China.