在金融全球化背景下提高中国银行业行业核心竞争力研究------外文翻译.doc

The recent several years, Chinese Bank competitive power really has been promoted. No matter is the capital sufficiency of capital and the property quality, gains aspects and so on ability and fluidity managed capacity has the distinct improvement. More importantly, the majority Commercial banks established the capital to supplement mechanism and saved use capital idea, established good risk management system which has enabled the property quality to guarantee even enhanced and promoted bank strategy reforming, service reforming and the profit pattern transformation which adaptation environmental variation and customer demand change positively. State-owned bank through reform going on the market reproduction vigor, original joint stock system Commercial bank to maintain the competitive advantage further promotes own competitive power through the internal reform, the city Commercial bank through the dyspepsia property, increases funding expands stock methods and the way and so on alliance, cross region management as well as going on the market, is clear about the management localization, launches the comprehensive competition with each kind of Commercial bank in many domains. But, Chinese Commercial bank competitive power's remarkable enhancement cannot cover the existence question, mainly concentrates in five aspects:
2.1The mechanism of the company governs and internal controls not to be sti


最近几年，中国银行的竞争力确实已经提升。无论是在资本充足率、资产质量等方面，还是在收益能力和流动性管理能力方面都得到明显改善。更重要的是，大多数商业银行建立资本补充机制和保存使用资本的理念，建立了良好的风险管理体系，使资产质量得以保证，甚至加强和促进了银行战略转型，服务改革和盈利模式转换，积极适应环境变化和客户需求的变化。通过改革使国有银行上市，原来的股份制商业银行，通过内部改革，维持竞争优势并进一步提升自己的竞争力，城市商业银行通过不良资产，增资扩股的方式联盟，跨区域经营，以及进行市场管理，明确定位，在许多领域内展开与各类商业银行的综合竞争。但是，中国商业银行竞争力的显著提高并不能掩盖存在的问题，商业银行存在的问题主要集中体现在以下在五个方面：
2．1 公司治理机制和内部控制尚不完善
通过银行改革上市，中国银行公司治理得以改善，但投资主体多元化程度仍然偏低，权力制衡制度的有效性差，也不能保证受托人，主管和高层管理人员尽职尽责，对于重大的失职也不能严格按照责任追究制度进行处理。高级管理人员寻求个人利益使用银行资产，使股东权益不能够得到有效的保护，大股东利用关联交易等方法谋求不正当收入，甚至危及到银行操作；独立董事流于形式的现象