一、引言银行改革是中国金融改革最重要的重要组成部分。2003年下半年银行改革提速,重点放在提高商业银行和银行监管系统的运作能力。银行改革是继企业改革后中国政府推出的重大改革措施。这次改革包括对国 I. Introduction Banking reform is the most important and important part of China’s financial reform. In the second half of 2003, bank reform accelerated, focusing on improving the operational capacity of commercial banks and banking regulatory systems. Bank reform is the major reform measure introduced by the Chinese government since the enterprise reform. This reform includes the right country