按照入世协定书中的开放时间表,我国在入世5年后也即2006年底将实行金融业的全面开放。本文认为,我国金融市场完全开放将对国内商业银行带来深远影响:一是在政策层面,经济政策、金融政策、配套政策的进一步开放将使金融业的进入门槛降低,从而带来竞争主体的多元和竞争的更加市场化;二是在市场层面,客户的金融知识的普及和客户的议价能力的提高造成客户对银行需求也在不断提高;三是在竞争层面上,竞争主体、竞争模式和竞争手段的改变将使银行业面临更为复杂的竞争局面。为应对上述影响,国有商业银行应根据自身优势,扬长避短,根据不同情况,综合运用不同战略,以期达到持续发展的目标。 According to the opening schedule in the accession agreement, China will fully open its financial industry by the end of 2006 after five years of accession to the WTO. This paper argues that the complete liberalization of China’s financial market will have a far-reaching impact on domestic commercial banks. First, at the policy level, the further liberalization of economic, financial and supporting policies will lower the threshold for entry into the financial industry and lead to competition Diversification and competition more market-oriented; Second, at the market level, the popularity of the customer’s financial knowledge and customer bargaining power caused by the customer demand for banks are also rising; the third is the competition level, the main competition, competition and Changes in the means of competition will make the banking industry face a more complex competitive situation. To cope with the above effects, state-owned commercial banks should make good use of their strengths to avoid weaknesses and make comprehensive use of different strategies according to different situations so as to achieve the goal of sustainable development.