从金融产品层面谈国有商业银行的竞争优势

与西方主要国家的全能银行相比,我国国有商业银行在金融业务创新、特别是金融产品创新上还存在很大差距,严重制约着我国银行的竞争力。将来参与国内外资银行竞争和参与世界银行竞争,不要说标准和技术,单是从服务和产品层面,我国国有商业银行需要走的路还很漫长。要结合金融产品定价机制认真分析我国商业银行金融产品经营状况,通过国内外金融产品创新比较,探索我国国有商业银行形成竞争优势的新路子。

On the Competition Advantage of State-owned Commercial Bank in the level of Financial Production

Comparing with the all-round banks in western countries, the state-owned commercial banks in our country have great gap with them in financial production. That is a great handicap to improve cornpetition of bank in our country. There is a long way to go for our state-owned commercial bank to compete with foreign-capital bank and world bank in the compete with foreign-capital bank and word bank in the term of service and production, not speaking of standard and technique. We must find a new way to strengthen the competition of state-owned commercial bank through analysing the condition of the state-owned commercial bank and the creation of financial production