中資銀行業(yè)務(wù)現(xiàn)狀與入世對策研究.pdf

1、東北林業(yè)大學(xué)碩士學(xué)位論文中資銀行業(yè)務(wù)現(xiàn)狀與入世對策研究姓名：張愈強(qiáng)申請學(xué)位級別：碩士專業(yè)：林業(yè)經(jīng)濟(jì)管理指導(dǎo)教師：田國雙丁華2002.5.1AbstractStartedwiththeanalysisonliabilities，assets，intermediateservicesandoffbalancedservicesofChinesecommercialbanks，theirCUlTentsituations，developing

2、wends，presentproblemsandcontributingcausesareresearchedsystematicallyBoththesubiectiveandobjectivefactorsthatwillhindertheirdevelopmentafterChina’saccessiontotheWTOarediscloseddeeplyinthearticleFinallythemacroscopicandmi

3、crocosmictacticsarepropclsedonthebasisoftheanalysisabovementioned(1)FromthecomparisonofthestatisticsofoverthepasttenyearsbetweenChinesecommerciaJbanksandforeigncommercialbanks，itcanbeconcludedthatalthoLI曲Chinesecommercia

4、lbankshavemakegreatprogress，theyhavefallenbehindthecommercialbanksofdevelopedcountrieswiththeirshortageinservicesvarietyandpoorcreativityThesinglelncomesource，thebackwardsservicema／nlersandmethodshavebeenthegreatobstacle

5、sforthedevelopmentofChinesecommercialbanksand山eyhavealsobeenthekeyfactorswhichresultinpoorbankliqt／idity，profitabilityandcompetitiveability(2)ARerChina’sentryintotheWTO，thefactorswhichhinderthedevelopmentofChinesecommerc

6、ialbanksincludenotonlytheobjectivefactorslnfinancialsystembutalsothesubjectivefactorsinChinesecommercialbanksItisimperativetotakereasonablecountermeasuresfrommacroscopicandmicrocosmicaspectsThemacroscopictacticsmeansthec

7、ountermeasuresadoptedbythenationsuchasacceleratingthepaceofrcforlTllnfinancialsystemlnaccordancewiththe廿endoftheworldfinancialIndustriesprovidinganequalcompetitiveenvironmentforChinesebanksThemicrocosmictacticsmeanstheco

8、ncretecountermeasuresadoptedbyChinesecommereiaIbanksaccordingtotheactualcondilionsThemacroscopictacticsarethegeneralorientationandthemicrocosmictacticspaymoreattentionstothepracticabilityandflexibilitynlevareinfluencedea

9、chotherandCallnotbeseparatedonefromano出er(3)Fromthemacroscopicaspect，inordertomakeChinesebankscompetewithforeignbanksunder出eequalconditionsthenationshouldacceleratethepaceofreforminfinancialsystem，suchastheshareholdingre

10、foITnSofstateownedcommercialbanks，themarketorientedreformsofinterestrtesystem，ereChinashouldbreaktlaoughsomeso—calledforbiddenzones，forinstance，implementingmixedmanagementinfinancialservicesThereformsshouldbeconductedtes

11、titselectedpointscarriedoutin1inewith10calconditionsandputintopracticestepbystepItisharmfultoimplementthefinancialreformsaccordingtothesamemodelf4)Fromthemicrocosmicaspect，Chinesecommercialbanksshouldchangetheirtradition

12、aIideasforexample，theideas“a11servicesareforthedeposit“ItlsessenfiaIforChinesecommercialbankstodevelopinnovativeservices，andimprovetheirprofitabilitytomeetthechallengesbroughtbytheWTOKeywordsWTO：Chinesecommercialbanks：rt