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摘要在当今中国经济取得巨大进步的时代里，我国股份制商业银行拥有着科学的机制和创新的管理理念，已成为了我国金融领域银行业中不能小看的一员，在充当信用中介和支付中介、变积蓄和收入为资本、创造信用流通工具、提供多种金融服务等方面扮演着重要的角色，对小微企业的发展和地域金融的促进起到了很好的推动作用。到2015年，我国股份制商业银行已经发展到了有13家之多，它们的资产总额丝毫不逊色于五大国有商业银行。45215
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现在我们正处于所谓的“后WTO时代”，经济全球化和金融一体化特征越来越明显，我国实行的对外开放政策在各个环节中取得了不错的成效，因此，提高我国股份制商业银行国际竞争力刻不容缓。金融领域中，拥有着各方面优势的外资银行顺应潮流加入了中国市场。而我国股份制商业银行由于长期以来体制和环境的制约，产生出许多问题，如今要面对来自国际具有成熟市场经验的外资银行的冲击，以及利率市场化等不利因素的影响，我国股份制商业银行应该制定何种策略方针、采取什么措施去应对，从而提高自身的国际竞争力？这是一个值得我们去研究的重要课题。
毕业论文关键词：股份制商业银行；国际竞争力；资产质量；金融创新
Abstract
With the rapid development of Chinese economy, China's joint-stock commercial bank has become an important part of China's banking system with its flexible mechanisms and more advanced concepts. In acting as a credit intermediary and payment intermediaries, variable savings and revenue for capital, creating credit in circulation tool and offering a variety of financial services, it plays an important role and supports SMEs and local economic development greatly. By 2014, the emerging national joint-stock commercial banks have developed into 13, with total assets after the five state-owned commercial banks.
In today's post-WTO era, economic globalization and financial integration has become more evident in all areas of China's opening further strengthened. Therefore, to improve the international competitiveness of China's joint-stock commercial bank has the necessity. In the financial sector, the entry of foreign banks in China's financial reform will be pushed deeper level. Foreign banks in the Chinese market has long coveted, which by virtue of its various advantages, there are strategies to enter the Chinese market. The joint-stock commercial banks as a result of long-standing institutional and environmental constraints, resulting in many problems, and now are faced with the impact of foreign banks from the international experience and mature market interest rate market and other unfavorable factors. How to deal with the joint-stock commercial banks and how to develop a strategy to improve its international competitiveness? This is an important topic worthy of us to study.
Key Words：Joint-stock Commercial Bank；International Competitiveness；
Asset Quality；Financial Innovation
目 录
摘 要 I
Abstract Ⅱ
一、引言 1
㈠ 研究背景及意义 1
㈡ 文献综述 1
二、我国股份制商业银行国际竞争现状 4
㈠ 外部市场环境 5
㈡ 阻碍我国股份制商业银行发展的主要因素 6
三、我国股份制商业银行国际竞争中存在的问题 7
㈠ 资本充足率与资产质量问题 7
㈡ 金融创新问题 8
㈢ 信贷管理问题 9
㈣ 经营风险问题 9
㈤ 市场定位及经营理念问题 9
四、提高我国股份制商业银行国际竞争力的对策 10