【摘要】 加入WTO以后,我国银行业受到的冲击将是多方面的,其中以国有商业银行受到的冲击为最。本文从分析目前我国四大国有商业银行的不良资产的规模过大,比例太高的状况出发,认为在外资银行的冲击下,如果我国银行开放措施稍有不当,将对我国商业银行流动性产生最大冲击,造成商业银行的支付困难,有可能引发金融危机。最后认为减少冲击,化解危机的关键应从化解不良资产入手,并提出具体的对策建议。更多还原

【Abstract】 After joining the WTO,our banking wi ll be subject to multi -aspected impacts,and the commercial banks will be subject to the most critical one.By a nalyzing the conditions of the big sc ale and proportion of fault loans in o ur county’ s commer-cial banks,the text holds the opinio n that under the impact of the foreign banks,if our banking’ s open -end measures are not ri-ght,it pose the most critical impact to the liquidity of our commercial banks,causing the commercial banks’ payment difficulty and probably initiating financial cris is.In the end,we think that the key me asure of lessening the impact and resolving the crisis should be to resolve the fault loans,and we must put forward the concrete countermeasures and suggestions.更多还原