Especially, in face of competition and challenge brought by foreign financial institutions after entering the WTO in 2006, it has become the most important focus for Chinese commercial banks to reform the system and control the risks.

• 特别是面临2006年银行业全面开放后外资金融机构进入所带来的竞争和挑战,我国商业银行,尤其是四大国有商业银行的体制改革和风险管理已经成为首要解决的问题之一。