业务规模不足，业务结构和收入结构传统单一，使国内股份制商业银行缺乏竞争优势。
Being short of business scale and singleness of business and income structure make the joint-stock commercial Banks lack competitive advantage.
在产品质量信息不对称的基础上分析了商业银行的市场结构和竞争效率问题。
On the basis of asymmetric information on the product quality, the paper analyses the relation between market structure and the competitive efficiency of the commercial bank.
银行再造是金融领域竞争的产物，它要求对银行传统的工作结构和工作方法进行根本性变革，其中也包括商业银行的治理结构。
Reengineering of bank is the result of the competition of financial field. It changes the traditional work structure and methods of commercial bank, which includes the governance structure.
进而论证商业银行建立竞争情报系统的必要性，探讨商业银行竞争情报系统的职能、结构和工作模式等。
It expounds the necessity of constituting a competitive information system for commercial Banks, as well as its functions, structure and patterns of service.
因此，降低银行业市场集中度和进入壁垒，提高产品差别化从而促进竞争，有利于进一步优化我国的银行业市场结构。
Therefore, reduce market concentration and barriers to entry, increase product differentiation to promote competition, is conducive to further optimize the structure of China's banking industry.
因此，降低银行业市场集中度和进入壁垒，提高产品差别化从而促进竞争，有利于进一步优化我国的银行业市场结构。
Therefore, reduce market concentration and barriers to entry, increase product differentiation to promote competition, is conducive to further optimize the structure of China's banking industry.
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