Accession To The Wto Hou Xian Banking Strategies

After China has joined the World Trade Organization (WTO); China's banking industry and Xi'an banking industry face with the opportunity and the challenge. Studying the Chinese banking industry should have the reality, the vital positive significance to the strategy.This thesis comprehensively elaborated that the importance of Chinese joining WTO, as well as to our country finance industry significance. Joining WTO is advantageous in the establishment of true significance the modern commercial bank and fusion to our country financial system and the global; and is advantageous to break the monopoly, to promote competition, to melts our country finance risk, and to develop our country commercial bank's advancement. The thesis analyzed the present situation and the tendency that the Chinese commercial bank managed, and faces with main questions of our country commercial banks. According to the present situation and the tendency of the international banking industry development, the thesis analyzed and compared the Chinese banking industry and the world developed country commercial bank's disparity. Thoroughly analyze the challenge and the opportunities of our country banking industry after Chinese joining WTO. Facing the opportunity and the challenge, propos our country banking industry should adapt strategy from the macroscopic management and the microscopic operation aspect. Create personal business model ,set up commercial bank service system, realize mix business on the professional business, improve business strategy on the sides of asset and income constructure.Adjust management strategy; strengthen the human resources management optimize the personnel structure; positively explore the financial system and the financial tool innovation; diligently solve the bank not good property problem and so on 11 policies suggestions. In order that Xi'an country commercial bank can compete the foreign capital bank in difficult situation, establish the market commercial bank operation mechanism.The studying conclusions with which the Chinese banking industry meets the challenge and grasps the opportunity under the new situation, has the actual value and the theory significance.