四大国有商业银行在外资进入允许条件下的经营策略

 中文摘要
加入WTO以来，我国的金融业一直在不断探索新的发展道路和发展模式，以适应新时代经济发展的需要以及与国际金融业接轨，积极参与国际金融业的合作与竞争。随着五年保护期的过去，我国的银行业竞争达到了白热化的程度，作为我国银行业核心的国有商业银行更是面对着巨大的挑战，这不仅关系到银行业本身的自我发展，还关系到国家的金融安全和经济的持续稳定发展。因此，研究国有商业银行在外资进入允许条件下的经营策略问题具有十分重要的理论意义和现实意义。
在市场化的竞争中，面对国外众多实力雄厚的金融巨鳄，国有商业银行必须坚持自主经营，自力更生，扬长避短，以利益为驱动进行改革和调整，制定可持续发展的经营策略；通过完善银行业务，发展新兴业务，创新新型金融工具来满足人们的个性化需求；坚持完善银行的服务体系和提高服务质量，多层次有目的的为各类客户提供相应的银行服务，挖掘和培养更多优质客户；加强银行的引资和融资，开拓新的市场，壮大银行规模和竞争力。只有坚持科学的发展观，制定可持续发展的经营策略，我国的国有商业银行才能在激烈的市场竞争中抵挡住外资银行的冲击而屹立不倒，甚至冲出国门，走向世界，打造国际化的金融品牌。

关键词：发展模式，国际竞争，金融安全，稳定发展，国际化，可持续发展，金融品牌
ABSTRACT
Since  China joined WTO, in order to adapt to a new era of the development of economy and connect to the international fanatical industry, and actively participate in the cooperation and competition of international fanatical industry, the fanatical industry of china has been continuously exploring a new developing way and model. With the passing of the five-year protection period, the banking of china’s competition reaches to a perfervid degree. As the core of banking industry, the stated-owned commercial banks face a more enormous challenge , for the challenge not only connect to the development of banking itself, but also has something to do with the country’s fanatical security and the sustained and steady economic development. Therefore, it is a theoretical and practical significance to investigate the business strategy of stated-owned banking in the condition of allowing the foreign enterprise entered china.
In the competition of being market-oriented, the state-owned commercial banks must adhere to their own decisions, self-dependence, develop their good qualities and avoid the shortcomings, reform and adjust on the basis of interests in order to establish the business strategy of sustainable development. By way of satisfying people’s individualized demands, the state-owned commercial banks also have to consummate and develop their banking business and carry out new financial instruments. And also, the state-owned commercial banks have to offer a multifarious and a higher quality of serving, in one hand, to dig and cultivate more customs that have a better quality, in another hand, to strengthen the bank’s competition ability, and help the banks get more investment and develop more markets.
 None but persisting on the scientific developing concept, china’ state-owned commercial banks could stand up well against the impact of the foreign capital banks, even to set up a international financial brand, and always stand in the world.

Key Words：Development Model, International competition, Financial security, Stability and development, International, Sustainable development, Financial brands

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