国贸经济管理类毕业论文-入世几年来我国商业银行适应性调整及思考

H/0JA FJE1E !RE;E+X1 ? 2001v WTOYkcgG4Jk_C4Jo,A9YkcgkcgCH4KJ%)Pk 2006vcgkWcgahokcg4kEg%o_cgcgBkcgWcgJkEoKdB WcgawcgG1H/0JA FJE1E !RE;E+X2AbstractAs our entry into WTO, there are many changes on our commercial bank inseveral ways. In contrast to the past, more commercial banks especially fourstated-own commercial banks made a great progress in these five years, and thelisting of Bank of China and Industry and Commercial Bank of China attract theattention all over the world. Nowadays, our commercial bank accommodatedthem in order to adapt the challenge from the world. The article mainly researchabout the changes to adapt the situation as a member of WTO, concludingextensive data and many instances to explain what they have done with thechanges, then analyzed the changes in the sight of macro and micro, explainedthem in several part, for example, the reform of stock-holding system, internallypiloting mechanisms and supervision system, the national treatment of foreigncapital bank and the modes of operation. Finally, it makes an analytic expressionprospect of our commercial bank. In face of challenges all over the world, ourcommercial bank should lose no time to accomplish the reform, then “dancingwith the wolves”.Key words Modern Commercial Bank, Stork-holding System ReformForeign Capital Bank, National Treatment, Corporation GovernanceH/0JA FJE1E !RE;E+X3- E0 . 41 vJK&| WTO, . 41.14:U?:m . 41.2=8CtCOG . 51.3(*65=8*6 . 61.4)F+|5jF? . 72 E$QOvJK&|,F2WB3 . 72.11*6MB3 . 72.2 o1M,B3 . 112.3 2jH+,B3 . 123 )E$QO5vJK&|F2WB3,M63 . 163.1 jK&|=7- . 173.2 K&|6J4:UCA$J4:U . 173.3K&|CA-LuF . 1863) . 218$BR . 20H/0JA FJE1E !RE;E+X4FA-vJK&|F2WB3M63E08A- 2001 WTO4|4JG-+OAJFK&|JXF!E$QO=9WW-9vJK&|,Lv5:2$AJK&|JF,7J!jF0!K&|J,FAF9A-,vJK&|j.D0)BM63FA-vJK&|*F2WiFF+O,6|,A|A*,)vJK&|3+1 vJK&| WTO,A-vJKok,K&|fV9#,o8(*65MX,UG5jLK&|4:U1*6x)=QLF2C%&,2j1,?r4|w=8Cg!n)4EQdEQ,=8Cg!n5K&|VG,5WW2j1|CtuC)4Ed8DNL,7-=jF-9vJK&|,Yd=Q9,+J8#-9vJK&|XH=KMXnDJWJpLP5,Cg!nNFX-(0;:zaK&|,Y7-2j1A-K&|!(|fEEE0;9-O!*0)vJK&|fK&|5j,f0,4:U1+992jI1Ix)IF|1*6WG6vJK&|=-Lu|,8k4:U1.14:U?:m-A-K&|Jx)-9)CtvJK&|W6|=j=W,lp=Y:QA-K&|J,-Lu1K&|J=jk?F_)X1MXd,Y,4:Ud: ”1af5-;F_X-p0/)CgJf,EC,L$J=u6f5=OJsF-LuH=|JEF,4:U1Hv*l 2007L$J-N;L CtKE+X5Q?F9X-9vJK&| :%). 1.1 2002FK&|Yf:UJfGECt$-LuH= 2004 58 31 1 4(x./jA-vJK&|,Yf:UJfGnQFCtK&|X Yf:_+a9Zr!Q!Q_,0_CgYfFXA-vJK&|,f5084 60 80,jL$=|XEWD08B$-9vJK&|?6-fvJK&|!F-9K&|,k:UJk?_5-91JCg!n6|=8Cg!n,JK&|,Y?FFLNK&|N?90,3+ -9K&|90ZEF,?%_6K&|W6|=8CtNW)($=?W-9vJK&|,kCt-K&|J, 80%v+aAB4#&OiMM6:,G5L;CgCtHWG#!% 1998 ,Ct)=0.2% 1999 MM0hK0,v%Cg!nCg!nkN, 2.7%v:M0hK0,FnOv%Cg!nG)j 8%-9%(B)=5/,CtjE6X )9-9WvJK&|Cg!nkNGH=jkNCE 8%-9%,)E 5000-6000 s 1WvJK&| 1999 91 M 2007.4.5vJK&|$J4:Uf$ G#u .-Ah ,p9020406080100 | | | * | 8 5 -K& |* Cg w 9 :!3+G 1H/0JA FJE1E !RE;E+X63500 s,=8Ct/4)0A1J1jE6A,F1000 s 1!Fq6-f?vJK&|,=8CtLN-(UG (57J+X/ns#,2+X/nWCt(1yMK&|WH=8Ct,GG$_0* )A-vJK&|=8Ct,(&=8CtNW=8Cg!nG-()EQA-K&|=8Ct+O,=r9,9f, (o1=6-91J-9K&|4:U1*6=1y )F9o1#F,1y1yY,3+(!X-F1JK&|_)0,2j4#kK&13+E$5A-91JK&|G-_-9,K&13+-() Q2+a-9vJK&|-91JG-_-9,-9vJK&|,=8js-91J,jLN_|=8CtWJ)joCg!nF6/1yCtD9EQ,l6|,=8Cg!nIk?_+XCg!nWG)FCh1J,=8Cg!n1y!FA-H=j=8Cg!nvCV7HEA-F=8Cg!n!Q4+a69 25% 50% 100%,vCV7H6n=C=Y=8Cg!nLN1.3(*65=8*6X-CtFw,0WLN_(*65Z ”2XP5,4#f;0,-9s?X,A-9vJK&|o180,f(X9f;-9vJK&|EJ,o1WJ,8$A-9vJK&|X44f:*)JLNk?9s=EJ,o1WJ*655j-(f%4jfaFGf ”LNUGA-,-9K&|iMCJFAvJFE49Fq,f6|(*6-fX-pAJ-7AA:, Q2=$56(*611y|=8Ct+O, .-Ah ,p11278B0 2006. 168H=-1viMO ”.CR4 , p15H/0JA FJE1E !RE;E+X70sEL445=1*6#q0;=0f5HF1y1y-9K&|,4/1*6fB$_#vhh#q?1.4)F+|5jF?-,H=F|jf?-9W,=|F_:4H=GL,_:4o,6,?r-9H=,#?4IB0=F?LC$+O7CUFFUGLk.F+|4-H=J,FP/BF?_ GATS!n?r,*I-;AX:moo1,.sF_4H=j,z5Af:A=9+J8#FM,?AG-JZ*,FPwNF)BH=jwCVA-1GLzww,MhF3+5WH=NL$!F/5jAF?,&1F+J8#_U1 ”F2 E$QOvJK&|,F2WB3X 2001F 06E$QO5,F!&OA-vJK&|jE8F+|AJ61(|WK&|,AHjF2 WTO44)K&|JF,?r45D4|LAhH=2jqAF-X-*0H=(91IF|F-(I-$J,I2jI-AFwIF!8+aFI0*AJEj0n&7-0Z,/1)LeZ,AH2.11*6MB3M)-pGJ,+AHCtK&|9iMK7-X,)+OH/0JA FJE1E !RE;E+X82.1.16-fiM2003 108,qz9JX/nJky2j4#f9LN,.*?-9vJK&|jCtuCUF:U=x,8,)H=1J|6-fiFP45=8CtuCtHKFP&:2 12 8 9 -Lk*6$YXAL5-&0/j-9vJK&|iM,-74A 1zaJ08!-9vJK&|iMMFO&L=0Z8-LaA|*|T-9vJK&|#Ct 4505sjuCtH 2004 38oz.7*?-K&|-*AK&|6-fiFPjB&-9vJK&|iMF7-pA-H=fiMF0E$!FLf! 6 8-)TK&|$ 0 j-9vJK&|=8Ct1!Q/,|f_FJE1ECt1*6(fC|*| 2787s,+2=8Ct06-( :2EFH+Ct65 F*65i *0)XK&|1*6fAj_W-9K&|iM6|aBAA:E?%=%Fv=FJ)2jFJ,:1 WTO-9vJK&|=Md-,|J,106-9vJK&|,HOH-FvJK&|xF,01*64P.D0-9vJK&|XvJK&|FI8D,(!Ct$HX2j=K:.8D,k,F!*00,4:U1*63+513+5j6|3+5-3+51*63+5j_1FL4F4:UH+,C_*0)K&|fX8B3FJECtj4V-9vJK&|,D-?FJE50#f58#s1*6,?r94:U? 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