提高国有商业银行核心竞争力的对策分析摘要自2006年开始，外国银行充分进入中国，外资商业银行取得了和国有商业银行完全平等的市场主体地位。外国银行进入中国之后，我国国有商业银行面临着前所未有的竞争和压力。四大国有商业银行和外资大银行展开全面的竞争。因此全面了解我国商业银行的竞争力，并提出相应的对策和建议对于提高我国国有商业银行核心竞争力显然具有重要的理论和现实意义。本文从我国国有商业银行的核心竞争力方面进行分析，在此基础上，针对我国国有商业银行的未来发展、提升核心竞争力提出了相应的对策。关键词：国有商业银行；核心竞争力；对策AbstractIn2006,foreignBankstocomefullyintoChina,foreigncommercialbankmadeandstate-ownedcommercialBanksoffullequalitymarketmainbodystatus.ForeignBanksinChinaafterChina'sstate-ownedcommercialBanksfacingunprecedentedcompetitionandpressure.Fourbigstate-ownedcommercialBanksandforeignbigbankcarriedoutcomprehensivecompetition.Therefore,fullyunderstandthecompetitivenessofcommercialBanksinChina,andputsforwardthecorrespondingcountermeasuresandSuggestionstoimprovethecorecompetitivenessofstate-ownedcommercialBanksareofimportanttheoreticalandpracticalsignificance.Thispaper,fromthestate-ownedcommercialBanksofourcountryinthecorecompetitivenessofthecompetitiveanalysis,andbasedonthis,thestate-ownedcommercialBanksofourcountryinthefuturedevelopment,enhancetheircorecompetitivenessandputsforwardthecountermeasures.Keywords:State-ownedcommercialBanks;Corecompetitiveness;Countermeasures目录一、引言........................................................................................................................5二、相关理论综述........................................................................................................5（一）核心竞争力的内涵............................................................................................5（二）核心竞争力的构成要素....................................................................................6（三）商业银行核心竞争力组织概况........................................................................7三、国有商业银行存在的不足和风险........................................................................7（一）国有商业银行取得的业绩................................................................................7（二）国有商业银行存在的不足和风险....................................................................81、整体流动性水平有所下降，银行流动性风险上升..............................................82、贷款科学化管理水平亟待提高..............................................................................83、后续风险依然严峻..................................................................................................84、银行操作风险管理意识弱化..................................................................................85、风险意识不足..........................................................................................................96、房地产市场非理性因素依然存在..........................................................................9四、提高我国银行业核心竞争能力的策略................................................................9（一）完善我国国有商业银行的公司治理结构........................................................91、引入战略投资者，形成多元控股格局................................................................102、建立现代企业制度..........................................................
