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工农中建四大国有商业银行是我国金融业的主体,维系着国民经济的命脉和国家金融安全。但是,随着近几年来外资银行的抢滩登陆,国内其他股份制银行的迅速发展,国有商业银行的危机意识不断加强,股改上市就是一次重拳出击。本文对影响国有商业银行资源配置的因素进行了分析,并对上市给金融资源配置效率带来的影响进行了阐述,希望能启发读者正确的理解银行上市与金融资源配置的关系。
The four state-owned commercial banks built by workers and peasants are the mainstay of China’s financial industry and maintain the lifeline of national economy and national financial security. However, with the bankruptcy landing of foreign-funded banks in recent years and the rapid development of other joint-stock banks in China, the crisis awareness of state-owned commercial banks has been continuously strengthened. The reform of the stock market is a heavy blow. This paper analyzes the factors that affect the allocation of resources of state-owned commercial banks and expounds the impact of the listing on the efficiency of the allocation of financial resources in the hope of inspiring readers to correctly understand the relationship between the listing of banks and the allocation of financial resources.