中国商业银行经营效率低，竞争能力差，其原因在于中国银行业市场结构不合理。
The efficiency and competitiveness of China's commercial Banks is low, the reason lies in the unreasonable market structure of China's Banks.
第二部分中国商业银行现状，该部分对目前我国银行业特性与市场竞争格局进行分析，指出我国商业银行现有状况，同时分析上市商业银行的现状和特征。
The second part describes the present situations and features of Chinese commercial Banks, at the same time, describing the public commercial Banks' features and competitive situations.
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