中国入世十年之际银行业的现状及发展对策

《中国入世十年之际银行业的现状及发展对策》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、目录1.中国入世对银行业的影响··········································41.1中国入世给银行业带来的机遇·································41.1.1有利于推动我国金融市场运行向国际标准靠拢···················41.1.2有利于我国金融创新·············································41.1.3有利于扩展金融业务体系和提升专业服务能力····················4

2、1.1.4有利于扩大资金利用渠道和资本投资效用的提高·················41.2中国入世使银行业面临的挑战··································41.2.1面临经营模式的挑战·············································41.2.2面临管理体制的挑战·············································51.2.3面临业务创新，技术手段和优质服务的挑战····················

3、··51.2.4面临人才竞争的挑战·············································51.2.5面临金融安全的挑战·············································52.中国银行业目前现状及问题·······································62.1不良资产情况·····················································62.1.1不良资产，不良贷款率较高··

4、····································62.1.2房地产市场不景气，贷款风险加大·······························62.1.3流动性风险······················································62.2“存款立行”观念的影响········································72.3内部管理情况·········································

5、············72.3.1风险意识和风险控制能力不足···································72.3.2资信评估能力有待改善··········································72.3.3管理体制欠缺···················································73.发展对策·····························································83.1

6、金融创新··························································83.1.1创造宽松的金融市场环境········································83.1.2完善多层次资本市场体系，优化资本市场结构···················83.1.3融资工具和服务手段创新········································83.2风险控制······························

7、····························83.2.1转变风险管理观念，树立全面风险管理理念·····················83.2.2建立合理的商业银行风险防范机制······························93.2.3金融机构自身经营的审慎性·····································93.3基础能力建设····················································93.3.1加强客户关系管理，改进

8、服务质量和服务水平···················93.3.2完善服务渠道建设，提高渠道销售能力·························93.3.3稳步推进商业银行的综合化经营·································104.结束语···················································