随着市场经济体制改革的不断深入,在商业银行的外部环境中,竞争主体日益增多。除工、农、中、建四大国有商业银行,新成立的商业银行、外资银行、非银行金融机构如雨后春笋,原有的市场占有格局被重新分配,同业竞争更加激烈。另一方面,竞争客体日趋成熟。近几年,金融竞争正处在由盲目向理智转变的过程中,作 With the continuous deepening of the reform of the market economy system, the subject of competition has been increasing in the external environment of commercial banks. In addition to the four major state-owned commercial banks, newly established commercial banks, foreign-funded banks and non-bank financial institutions, such as the four major state-owned commercial banks of agriculture, industry and agriculture, have mushroomed and the original market share pattern has been redistributed with the competition in the same industry becoming more intense. On the other hand, the competitive object matures. In recent years, the financial competition is in the process of transforming from blindness to rationalism