our commercial banks
我国商业银行
2026-03-22 00:17 浏览次数 15
我国商业银行
but now, according to the present situation, our commercial banks do not still possess demand and supply factor of institutional change from limited banking to universal banking.
但是,目前我国商业银行尚不具备由分业经营制度向混业经营制度变迁的需求与供给因素。
however, comparing with the financial products and service marketing of mature countries「 commercial banks, our commercial banks have big gap including marketing thinking and marketing model.
然而,与市场发达国家商业银行的金融产品和服务营销相比,我国商业银行的营销理念和营销方式还存在着相当大的差距。
currently, our commercial banks have the good external environment of offering investment banking service and reality foundation.
目前,我国商业银行已经具备了兼营投资银行业务的外部环境与现实基础。
at whole analysis, our commercial banks lack a complete pertinency management system and operating procedure for credit management of group clients.
从总体分析,我国商业银行对集团客户的授信管理缺乏一整套有针对性的管理制度和操作规范。
this text includes three chapters, which made a study of presently existing problems in our commercial banks and competition countermeasures adopted by china after wto.
本文共分三章,探讨在加入wto以后,我国商业银行所存在的问题,及我们应采取的竞争对策。
faced to the domestic trouble and foreign invasion, our commercial banks actively seek new profit growth pole and develop intermediary business greatly to become their important measure.
面对内忧外患,商业银行积极寻求新的效益增长点,大力发展中间业务成为其重要举措。
at present, auditing of our commercial banks is in a mixed transitional period from transaction-based auditing to system-based auditing and risk-based auditing.
目前我国商业银行审计正处于账项基础审计向制度基础审计和风险基础审计过渡的混合阶段。
our commercial banks make achievements in the protection of patents, however, we have to understand there are some deficiencies in here.
然而,在看到我国商业银行专利保护取得成绩的同时,也要明白其中存在的诸多不足。
in contrast to the new accord, operational risk management in our commercial banks has problems in many aspects, especially concept, management structure, information system and data base and so on.
按照《新资本协议》的要求,中国商业银行在风险管理观念、组织体系、信息系统和数据库等方面还存在比较大的差距。
in this background, our commercial banks have problems such as low marketing level and growth potential in retail banking.
而在此背景下,我国商业银行零售业务的发展存在服务营销水平较低,增长乏力等问题。
so improving our commercial banks operating performance is very important to invincibility in the competition between the banks.
若要在竞争中占据优势,提高我国商业银行的经营绩效是目前亟待解决的问题之一。
since china」s access to wto, our commercial banks have been facing more and more severe pressure from competition of foreign banks and other financial institutions.
随着中国加入wto,外资银行和其他金融机构给我国国有商业银行带来的竞争压力越来越大。
especially after the entry of the wto, our commercial banks face more rigorous challenge.
特别是加入wto后,我国商业银行面临着更加严峻的挑战。
it is a big challenge for our commercial banks to invest banking business under the divided operation system at present.
在分业经营体制下开展投资银行业务是我国商业银行目前面临的一个较大的挑战。
in order to promote the competitive strength and efficiency, our commercial banks should change into the consolidation model and learn from the advanced legal supervision of developed countries.
所以,笔者认为,中国的商业银行应该向混业经营制度转变,金融法律监管应该向国际规范看齐,以增强竞争力,提高效率,保证商业银行安全、高效、稳定发展。
reforming the banking system is a positive strategy to face the challenges, and introducing overseas strategic investors into our commercial banks is an important step of the reform.
作为措施之一,我国商业银行引入境外战略投资者是深化银行业改革的重要一步。
our commercial banks need to reform the used framework in system, design new structure of organization, and optimize the management, power, information, corporate culture in the chain management.
同时,商业银行需革新传统组织框架,设计新型连锁经营组织结构和连锁经营流程。
our commercial banks pay great attention to the innovation of financial products, which is a concrete example of transformation of bank marketing mode.
金融产品创新作为银行营销模式转变的具体表现,已经越来越受到我国商业银行的重视。
therefore, our commercial banks should work hard to enhance the management capacity and competitiveness in order to meet the severe challenges.
为了应对市场提出的严峻考验,我国商业银行应努力提升自身的管理能力和市场竞争力。
therefore, our commercial banks should neither act too hastily, nor overlook the reality of development in china nor lag behind the ever-changing economic and financial environment.
我国商业银行的经营转型不能急于求成,既不能跨越中国发展的现实,也不能落后于不断发展变化的经济金融环境。
after entering wto and the entry of foreign banks, our commercial banks are at the critical moment of undergoing a thorough reform.
加入wto后,随着外资银行的进入,我国商业银行正面临深层次改革的关键时期。
how to strengthen the control on credit risks and how to choose the high-quality customers have become the problems that our commercial banks should solve as soon as possible.
如何加强对信用风险的控制以及如何更好地选择优质客户成为我国商业银行当前急需解决地问题。
thus, it is of great necessity and possibility for our commercial banks to adopt the activity based costing.
我国商业银行已存在使用作业成本制度的必要性和可能性。