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按照国际标准,中资银行与外资银行比较,中资银行明显处于弱势地位。正因为这种弱势地位,所以人们曾经普遍认为加入WTO后,中国银行业既有机遇又有挑战,且挑战大机遇也大。但银行业的运行是极其复杂的,存在许多变数的影响。对WTO这个外在变量对银行业的影响的大多数轻率估量,都未必是符合实际的。这里我们不妨设想WTO对中国银行业的最坏影响,并进而挖掘出一些更为深层更为理性的问题和思考,以供我们未来作出正确的抉择和行动。
According to international standards, Chinese banks are significantly disadvantaged compared with foreign-funded banks. Because of this weak position, people once generally believed that after joining the WTO, there are both opportunities and challenges for the Chinese banking industry, and the great challenges are big opportunities. However, the operation of the banking industry is extremely complicated and there are many variables that affect it. Most of the reckless assessments of the impact of WTO’s external variables on banking are not necessarily realistic. Here we may wish to envisage the worst impact of WTO on China’s banking industry, and then dig out some more deeper and more rational issues and thinking for our future to make the right choices and actions.