Beljing-China's smaller commercial banks will have a distinct advantage over large state-owned institutions in the more competitive financial sector that is being formed by the country's entry into the World Trade Organization, said a foreign adviser to one of those banks. China has committed to allow foreign banks unrestricted access to its domestic market by 2005, a prospect that is increasing pressure on the shaky state-owned banking system to base their lending decisions more on commercial and less on political grounds. However, small Chinese banks already operate largely independent of the government, and are thus ideally placed to resist foreign competition and even take advantage of it, said J. Thomas Macy, an adviser to privately owned China Minsheng Banking Corp. "The second tier of banks will continue to grow at a more rapid rate than the 'big four' and thus will capture a larger proportion of market share," Mr. Macy said in an interview.
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机译：这些银行之一的外国顾问表示，在由中国加入世界贸易组织而形成的更具竞争性的金融部门中，中国Beljing中国的小型商业银行将比大型国有机构具有明显优势。中国承诺到2005年允许外国银行不受限制地进入其国内市场，这一前景正给摇摇欲坠的国有银行体系施加越来越大的压力，使它们的放贷决定更多地基于商业，而不是基于政治基础。但是，民营中国民生银行股份有限公司的顾问托马斯·梅西（J. Thomas Macy）说，中国的小型银行已经在很大程度上独立于政府运作，因此处于抵抗外国竞争甚至利用竞争的理想位置。银行将继续以比“四大银行”更快的速度增长，因此将占据更大的市场份额。”梅西先生在接受采访时说。
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