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一、国有商业银行为何要进行信贷创新 自从我国加入世界贸易组织.金融业的全面对外开放便踏上不归之路,外资银行从业务领域到时空范围与我国商业银行的全方位竞争将渐次展开。这就迫切要求国有商业银行在着手建立现代金融企业制度的同时,必须加快业务创新,迅速提升自身竞争力.以应对面临的挑战和压力。然而囿于我国银行、证券、信托,保险实行严格分业经营制度,商业银行资产多元化经营受到诸多限制的原
Why State-owned Commercial Banks Need Credit Innovation Since China’s accession to the World Trade Organization, the full opening up of the financial industry has embarked on a path of no return. The full-scale competition between foreign banks and China’s commercial banks from the business field to the time-space scope will gradually unfold . This urgently requires state-owned commercial banks, while embarking on the establishment of a modern financial enterprise system, must accelerate business innovation and rapidly enhance their competitiveness in order to cope with the challenges and pressures they face. However, in our country banks, securities, trusts, insurance, strict separation of business systems, commercial banks diversified assets subject to many restrictions