外资银行与中资银行的比较分析

随着我国银行业全面对外开放,中资银行与外资银行在本土的竞争日趋激烈。外资银行的优势主要表现为经营体制的灵活性和强大的国际化竞争能力。中资银行既有本土经营的优势,也存在经营管理体制上的严重缺陷。面对银行业激烈竞争的严峻形势,中资银行应同外资银行建立战略联盟,推动金融创新,优化人事机制,克己之短,扬己之长,缩小与外资银行存在的差距。

The Comparative Analysis on Foreign Banks and Chinese Banks

With the all-around opening-up of banking in China,the competition between Chinese banks and foreign banks is fierce in-creasingly.The advantages of foreign banks are flexible operating system and international competitiveness,while Chinese banks have the advantage of native business but serious defect in management system.Facing the fierce competition of banking,Chinese banks should build strategic alliance with foreign banks,promote financial innovation,optimize personnel mechanism,avoid our disadvantages and develop our advantages,and narrow the gap with foreign banks.