Knowledge Economy And Study On The Development Of State-owned Commercial Banks

At the threshold of the 21st century, Knowledged economy evolution signed by the rapid development of massage technology and knowledged enterrprises has been starting secretly. As a new kind of economy, Knowledged ecomony has its own developing process and creating mechanism, It also has its own special meanings and special character. Although the economy of china has not entered the knowledged economy completely, Knowledged economy has been seen an indication in china. Knowledged economy not only change the moder and the rule of macroeconomics but also affect the thought and behavior of microenterprises. Finance as the core of modem economy and banks which are the core of society capital have logically dialectical relation with the knowledged economy: banks will be one of the enterprises which go forward the knowledged economy firstly, at the same time, the development of the knowledged economy could not happen without the help of banks. Knowledgde economy puts more requirements for the development of banks such as the management system, organization system. In order to avoid the fate of "dinosaur" banks go to meet the challenge actively, assuming some eletric banks, omipotent banks etc. Four our state-owned commercial banks, which are the backbone of domestic financial system, the knowledged economy is not only a rare opportunity but also a severe challenge. Though state-owned commercial banks have made great progress, they also be troubled by low rate of capital abundance and lack of financial innovation etc. Whether the four biggest stated-owned commercial banks themseleves would exist and develop or not, or even whether the whole banking industry of our country would grow or not in the future, are mostly dependent on whether they could understand the situation, catch the chance, avoid their defaults to expose their excellence and on whether they could make wise decision to meet with the knowledged economy. Based on the realistic thinking and logstic analysis, the whole strategy of state- owned commercial banks against knowledged economy should be: to make property right, manage scientifically, run intensively and service advancely; Furthermore, at present, espcially through building modem enterprise system, motivating financial innovation, optimizing the allocation of human resources, appropriately carrying on business across the countries, strengthening themselves, can state-owned commercial banks exist and continue developing under the new kind of economy.