国有商业银行上市后面临的挑战及对策

国有商业银行上市的目的是为了逐步实现市场化经营，促进国有商业银行改善经营管理，提高业务发展质量，最终实现可持续发展。但能否实现可持续发展，要从实际市场化运营中加以衡量。本文简要分析了国有商业银行上市带来的积极影响，同时也指出了其面临的提高经营绩效、增强经营透明度和股市多变对稳健经营等带来的一系列挑战。鉴于此，作者提出了从转变经营理念、完善公司治理结构j提高全面风险管理能力、强化资产负债管理、实现信贷业务均衡有效发展等方面，加强各项发展要素的整合，从不同层面提高可持续发展水平和国际竞争能力；同时，积极推进相关配套的外部环境建设。

Post-IPO Challenges Faced by State-Owned Commercial Banks and Countermeasures

The objective of floating shares by state-owned commercial banks is to gradually marketize operations, upgrade operation and management and improves business quality so as to achieve sustainable development finally. But sustainable or not, the issue must be measured in the actual marketized practice. In this paper, the positive influence from listing of state,owned commercial banks is analyzed briefly and at the same time, future challenges such as improving performance, enhancing transparency and offsetting the impact of a volatile stock market on sound operation are also discussed. To meet these challenges, it is proposed that stateowned commercial banks should integrate all development elements, enhance the ability of sustainable growth and international competitiveness at different levels by changing operational concepts, improving corporate governance, strengthening risk management and asset liability management and achieving balanced and effective expansion of credit business and at the same time actively promote the construction of a supporting external environment.