摘要：随着我国金融体制的改革和发展，股份制商业银行应运而生。自改革开放以来，我国已陆陆续续建立起十余家全国性或区域性的股份制商业银行。股份制商业银行的兴起，结束了四大国有银行垄断经营的时代，给我国的金融市场注入了新鲜的血液，激活了金融领域的竞争机制，显示出我国金融市场旺盛的生命力，在完善我国的金融体系和现代金融制度做出了巨大的贡献。加入WTO以后，我国的金融市场慢慢对外开放，我国的股份制商业银行获得了许多发展的良机，同时也必须面对前所未有的挑战与冲击。外资银行的全面界入给我国股份制商业银行带来前所未有的生存压力，如果不全面提高自身的核心竞争力，在残酷的金融市场上提升自己的竞争优势，我国的股份制商业银行很可能寸步难行，慢慢衰落。所以在未来的日子里，如何全面提高自身的核心竞争力是股份制商业银行所要解决的首要问题。本文详尽地介绍了近年来我国股份制商业银行不断引进外资的具体情况，对引进外资后我国股份制商业银行收到的积极效果以及所受到的冲击进行分析，提出了面对如此的冲击我国股份制商业银行该采取什么对策。

关键词：外资    股份制商业银行    金融体系    影响    对策

Abstract：The commercial banks of the shareholding system is the result of reform in banking system of China and development.China has set up more than ten nationwide or regional shareholding system commercial banks successively since reforming and opening-up.The setting-up of the commercial banks of the shareholding system have broken the monopoly of nationalized commercial banks,introduced competition mechanism for the financial field,and has revealed the vigorous vitality,then made contributions for financial system and modern monetary system of improvement of China.However,the financial market of China totally opened after joining the WTO,the shareholding system commercial banks of China have won a lots of chances of development,but faced unprecedented challenge and impaction at the same time.The overall entry of the foreign capital banks make the shareholding system commercial banks of China face unprecedented survival pressure.If the shareholding system commercial banks of China don’t improve their core competitiveness,they will go downhill slowly.Consequently,how to improve their own core competitiveness is the most important problem to be slove.This paper shows the status of the introduction foreign capital of the shareholding system commercial banks of China,analyzes the advantage and the challenge after introducing foreign capital and point out what measures the shareholding system commercial banks should take against the challenge.

Key words:  Foreign capital    Shareholding system commercial bank    Financial system   impaction    measure