论国有商业银行经营发展方式的转变——以中国工商银行驻一汽支行的经营发展状况为例

摘要

With 12th 5-year plan made public, these task become critical： the adjustment of economic structure, the change of economic development, the further promotion of national power and the capability of avoiding risks. Under these circumstances, commercial banks take more measures to meet the requirements of economic development. It is been summarized the performance and problems of the state-owned commercial banks, such as ICBC branch in the First Moto Factory. By analyzing the how the commercial banks operate, it has been provided the polices to make commercial banks more competent and develop stably, healthily.%随着国家“十二五”规划的出台，经济结构调整、经济发展方式转变、进一步提高综合国力和抵御风险能力已经是我国经济改革过程当中的重要任务。在此情况下，各家商业银行根据自身的经营状况纷纷推出一系列经营举措，以适应经济发展要求，提高持续发展能力。本文通过考察中国工商银行驻一汽支行近三年来的经营发展状况总结了国有商业银行在经营发展方式转变中取得的成绩和存在的差距，着力分析在市场变化的前提下基层商业银行经营中应对变化的敏感性和前瞻性，以切实提高基层国有商业银行的行业竞争力，使其在激烈的竞争中保持稳步、健康、可持续发展。