随着经济体制改革的不断深入,国有专业银行亦逐步向商业银行转化,各专业银行作为独立核算的经济实体,其企业性质亦趋明朗。人们常说:产品质量是企业的生命线。不可否认,银行作为企业,其赖以生存的同样是产品质量。 一、商业银行作为特殊企业有其特殊产品 一般的企业生产经营生产资料、生活资料等有形产品(服务行业的劳动力也是商 With the continuous deepening of the reform of the economic system, state-owned specialized banks have also gradually transformed into commercial banks. As specialized independent accounting entities, specialized banks are also becoming more and more entrepreneurial. People often say: product quality is the lifeblood of enterprises. Admittedly, the same is the quality of a product a bank as an enterprise depends on. 1. As a special enterprise, a commercial bank, as a special enterprise, has its own special products, such as production and management of physical means of production and living materials, and other tangible products