中国国有商业银行的区别性发展战略初探

中国四大国有独资商业银行是中国金融市场的主体，其发展战略选择，对国民经济的健康发展具有举足轻重的作用。对国有商业银行进行改革的成败与否，既关系到它们自身的未来发展，也影响到整个国民经济发展和社会稳定。目前，国有商业银行为应对中国加入WTO后的挑战，正在实施有区别性的发展战略。我们需要认真考虑它的内部的和外部的多种因素影响。

On the diversification strategies of Chinese state-owned commercial banks

The big 4 state-owned commercial banks still play a crucial role in Chinese financial market. The strategic development of these banks will have an important impact on the growth of the national economy. The success or failure of the state-owned banks reform and development will directly concern both their own future and the whole nations economic development and social stability. This paper attempts to discuss the diversification strategies which Chinese state-owned commercial banks have implemented or may carry out in the near future and to put forward the internal and external factors which must be taken into account when implementing these diversification strategies.