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1、新形势下国有商业银行发展的SWOT分析及建议摘要进入21世纪，伴随着全球信息技术的飞速发展和经济金融一体化、自由化的浪潮，银行业的经营环境正在发生深刻而剧烈的变化。随着我国经济体制改革的深入进行、市场经济的进一步完善，以及加入世界贸易组织，与国际接轨，国有商业银行面临严峻的挑战，同时也面临良好的发展机会。加入WTO后，我国已分期、分区域逐步对外资银行开放市场。外资银行凭借丰富的管理经验、雄厚的经济实力、超前的经营理念、灵活的营销策略，全球化的网络和混合经营等优势，与国有商业银行开展激烈的竞争，给中资金融机构在经营管理以及中央银
2、行在制定货币政策及金融监管方面提出了新的课题，这既是机遇又是挑战，同时也给我国的金融市场带来生机和活力。就我国商业银行来讲，与之抗衡还存在着很多有待改革和完善的问题。本课题通过对新形势下国有商业银行发展的现状的研究，分析了国有商业银行发展过程中优势、劣势、机会、成本的问题并提出相应的对策，为发挥国有商业银行的优势，实现持久占据市场领导者的地位，在竞争中始终保持优势，具有一定的现实意义。Underthenewformthestate-ownedCommercialbankdevelopsSWOTanalysisandsugges
3、tionAbstractSincethe21stcentury,isfollowingthewholeworldinformationtechnologyswiftdevelopmentandtheeconomicalfinancialintegration,theliberalizedtide,bankingindustry'sconditionofbusinessishavingprofoundandthefiercechange.Carrieson,themarketeconomyfurtherconsummationt
4、horoughlyalongwithourcountryeconomicrestructuring,aswellasjoinstheWorldTradeOrganization,withtheinternationaltrailconnection,thestate-ownedCommercialbankfacedwiththesternchallenge,simultaneouslyalsofacesthegooddevelopmentopportunity.AfterjoiningWTO,ourcountry,hasdiv
5、idedtheregionbystagesgraduallytotheForeignbankopenmarket.TheForeignbankreliesontherichmanagerialexperience,theabundanteconomicpotentiality,themanagementidea,thenimblemarketingstrategyinadvance,superiorityandsoonglobalizednetworkandmixmanagement,carriesoutthekeencomp
6、etitionwiththestate-ownedCommercialbank,proposedfortheChinese-fundedfinancialorganinthemanagementandoperationaswellastheCentralBankintheformulationmonetarypolicyandthefinancialsupervisionaspectthenewtask,thisisnotonlytheopportunityisalsochallenges,simultaneouslyalso
7、givesourcountry'smoneymarkettobringthevitalityandthevigor.AsforourcountryCommercialbank,contendswithitalsoexistswaitsforreformingandtheconsummationquestion.Thistopicthroughthepresentsituationresearchwhichthestate-ownedCommercialbankdevelopstothenewsituation,hasanaly
8、zedinthestate-ownedCommercialbankdevelopingprocessthesuperiority,theinferiority,theopportunity,thecostquestionandproposedthatthecorrespond
