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


最近幾年，中國銀行的競爭力確實(shí)已經(jīng)提升。無論是在資本充足率、資產(chǎn)質(zhì)量等方面，還是在收益能力和流動(dòng)性管理能力方面都得到明顯改善。更重要的是，大多數(shù)商業(yè)銀行建立資本補(bǔ)充機(jī)制和保存使用資本的理念，建立了良好的風(fēng)險(xiǎn)管理體系，使資產(chǎn)質(zhì)量得以保證，甚至加強(qiáng)和促進(jìn)了銀行戰(zhàn)略轉(zhuǎn)型，服務(wù)改革和盈利模式轉(zhuǎn)換，積極適應(yīng)環(huán)境變化和客戶需求的變化。通過改革使國有銀行上市，原來的股份制商業(yè)銀行，通過內(nèi)部改革，維持競爭優(yōu)勢并進(jìn)一步提升自己的競爭力，城市商業(yè)銀行通過不良資產(chǎn)，增資擴(kuò)股的方式聯(lián)盟，跨區(qū)域經(jīng)營，以及進(jìn)行市場管理，明確定位，在許多領(lǐng)域內(nèi)展開與各類商業(yè)銀行的綜合競爭。但是，中國商業(yè)銀行競爭力的顯著提高并不能掩蓋存在的問題，商業(yè)銀行存在的問題主要集中體現(xiàn)在以下在五個(gè)方面：
2．1 公司治理機(jī)制和內(nèi)部控制尚不完善
通過銀行改革上市，中國銀行公司治理得以改善，但投資主體多元化程度仍然偏低，權(quán)力制衡制度的有效性差，也不能保證受托人，主管和高層管理人員盡職盡責(zé)，對于重大的失職也不能嚴(yán)格按照責(zé)任追究制度進(jìn)行處理。高級管理人員尋求個(gè)人利益使用銀行資產(chǎn)，使股東權(quán)益不能夠得到有效的保護(hù)，大股東利用關(guān)聯(lián)交易等方法謀求不正當(dāng)收入，甚至危及到銀行操作；獨(dú)立董事流于形式的現(xiàn)象