我国金融业改革的重中之重是大力推进商业银行的商业化、市场化与公司化,提高商业银行的竞争力。以2003年12月31日国家向中国银行和中国建设银行注资450亿美元并宣布将力促这两家国有银行的股份制改革为标志,我国银行业改革已经进入加速推进的关键时期,商业银行公司化、股份化、进而公开上市的“三步走”发展战略正在大力推进 The most important task in the reform of China’s financial industry is to vigorously promote the commercialization, marketization and corporatism of commercial banks so as to enhance the competitiveness of commercial banks. On December 31, 2003, the state injected 450 billion U.S. dollars into Bank of China and China Construction Bank and announced that it will push the reform of the shareholding system of the two state-owned banks as a symbol. The banking reform of our country has entered a crucial period of accelerating progress. The commercialization of commercial banks , The share-based, and then public “three-step” development strategy is being vigorously promoted