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通过与大型商业银行和城市商业银行整体财务状况的比较分析,全国性股份制商业银行整体财务状况的特点:其一,考察期内全国性股份制商业银行盈利能力不具优势;其二,考察期内全国性股份制商业银行资产质量相对较高。面对竞争,全国性股份制商业银行应该通过合并、兼并、扩资等形式迅速扩大规模,与大型商业银行展开全面有效的竞争;通过健全完善公司治理结构加强业务能力等,与城市商业银行展开有针对性的竞争。
Through the comparison with the overall financial status of large commercial banks and urban commercial banks, the characteristics of the overall financial status of national joint-stock commercial banks are as follows: First, the profitability of national joint-stock commercial banks during the study period is not superior; Second, The quality of assets of joint-stock commercial banks is relatively high. In the face of competition, the national joint-stock commercial banks should expand their scale rapidly through mergers, acquisitions and expansion of capital to launch full and effective competition with large-scale commercial banks. With the improvement of corporate governance and soundness of business capability, Targeted competition.