【摘要】 竞争力是商业银行发展的核心问题,也是我国商业银行在银行业全面开放背景下面临的主要挑战之一。以部分商业银行为例,以盈利能力、流动性、安全性和成长能力为指标对中资、外资商业银行的竞争力加以比较分析,找到我国商业银行竞争力的差距,并从提高资本充足率、提高资产质量和进行金融创新等方面提出了提高我国商业银行竞争力的策略。更多还原

【Abstract】 Competence is the key issue in the growth of commercial banks,and is also the main challenge that Chinese commercial banks are facing under the circumstances of full opening to foreign banks in China banking industry.By comparing the competence of Chinese banks with that of foreign banks in terms of profitability,liquidity,safety and growth,the paper summarizes some weaknesses in Chinese banks,and then makes some suggestions on how to improve the competence of Chinese banks,such as increasing Capital Adequacy Ratio(CAR),improving assets quality and boosting financial innovation.更多还原