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随着全球金融业的发展和经济全球化的加速,中国银行业是金融体系的重要组成部分,面临着国内外的重重考验。加入WTO后,中国银行业进行了一系列的改革,进一步完善和强化了中国商业银行的财务管理。但是随着电子化产品的竞争和股份制银行的崛起,中国商业银行面临着新一轮的挑战。财务管理制度作为商业银行经营管理的核心,对它的研究能更有效地探明银行管理和发展路径。本文从中国与老挝商业银行财务管理制度比较,结合老挝民主共和国的实际情况,给出值得借鉴的经验。
With the development of the global financial industry and the acceleration of economic globalization, China’s banking sector is an important part of the financial system and faces numerous tests both at home and abroad. After joining the WTO, China’s banking sector conducted a series of reforms to further improve and strengthen the financial management of commercial banks in China. However, with the competition of electronic products and the rise of joint-stock banks, commercial banks in China are facing a new round of challenges. As the core of commercial bank management, its financial management system can more effectively identify the bank management and development path. This article compares the financial management system between China and Laos Commercial Bank and gives some lessons to be learned from the reality of Lao PDR.