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  3. 为了成为国际一流的商业银行，今后国有商业银行必须围绕以下两个重点加快综合改革：一是进行产权制度改革，通过建立多元化股权结构，实现所有权与经营权的分离，建

为了成为国际一流的商业银行，今后国有商业银行必须围绕以下两个重点加快综合改革：一是进行产权制度改革，通过建立多元化股权结构，实现所有权与经营权的分离，建

游客2025-01-18  0
问题     为了成为国际一流的商业银行，今后国有商业银行必须围绕以下两个重点加快综合改革：一是进行产权制度改革，通过建立多元化股权结构，实现所有权与经营权的分离，建立起法人治理结构和现代银行制度。二是推进银行内部机制改革，强化内部管理，建立创新和激励机制，提高核心竞争力。具体包括：//
    ——加快体制创新。计划用5年左右时间，将不良贷款压缩到10%以内，消化财务包袱，改造成为上市的股份制银行。//
    ——确保新增贷款质量良好，加快存量贷款结构调整。我可以很高兴地告诉大家，工商银行住房按揭贷款余额已经超过2000亿元，成为中国最大的按揭银行。//
    ——加快技术创新、管理创新和金融业创新。包括建立综合业务系统、计算机集中工程、数据仓库建设等重点科技工程，搭建具有国际银行业先进水平的金融信息技术平台//
    参加WTO对中国商业银行是挑战也是机遇。我们具有规模、网络、客户基础等本土化优势，加上正在进行的对银行的根本性改造，使中国商业银行屹立于世界优秀银行之林是完全可能的，我们的竞争对手只是我们自己。这次参加博鳌亚洲论坛使我们有机会同来自各国各地区的同行交流经验，切磋业务。在经历过挫折而成熟起来的亚洲金融会日趋强大以及更具竞争力  我们之间的合作前程似锦。//
    (中国工商银行前行长姜建清先生在2002年博鳌论坛上的发言“WTO背景下的国有商业银行改革”)
选项
答案     In order to become world-class commercial banks, the Chinese commercial banks should speed up the reform in the following two priority areas. One is the ownership structure reform, namely to establish a multi-share-holder system, separate ownership and management, and introduce the modem banking system with the legal person taking the primary responsibility of management. The other is the internal restructuring to strengthen management, establish a mechanism that encourages innovation and incentives and enhance the competitiveness. It may include: //
    Ⅰ. To speed up institutional innovation. Within 5 years, the non-performing loans should be kept under 10%, the financial burden should be removed and the bank transformed into a listed share-holding bank. //
    Ⅱ. To ensure good quality of loan incremental and accelerate credit structural adjustment. I am pleased to tell you that the balance of house mortgage loan of the Industrial and Commercial Bank has reached 200 billion yuan, which has made it the biggest mortgage bank in China. //
    Ⅲ. To quicken the technological, managerial and business innovation. It includes setting up a comprehensive business system, centralized computer system, data warehouse and advanced financial information technology platform. //
    China’s accession to WTO brings both challenges and opportunities for Chinese banks. Given our scale, network and client advantages as local players, coupled with the ongoing fundamental reform, the Chinese commercial banks have a good chance of becoming world-class banks and the only rival for us is ourselves. The Boao Forum has given us a good opportunity to exchange views and experience with our foreign counterparts. Having gone through setbacks and hardships, the financial sector in Asia only grows stronger and more competitive. The cooperation between us enjoys broad prospect. //
    ("State-owned Commercial Bank Reform in China against the Backdrop of WTO", delivered by Mr. Jiang Jianqing. former President of Industrial and Commercial Bank of China, at the 2002 Boao Forum)
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