今年是中國入世五年過渡期後的第一年。也是在華中、外資銀行共用平等國民待遇時代的開始。從遼寧銀行業的發展來看，這意味著東北經濟振興對銀行業的促進以及WTO過渡期中所進行的金融改革調整效果還未充分顯現，與外資銀行“平 等國民待遇”的新衝擊與挑戰，又如期而致。 這意味著多年積累下來的風險因素還未來得及完全消化，新的風險因素又將不期而遇。本文試圖以開放程度居中的遼寧為縮影，從WTO過渡期銀行格局的變化軌跡入手，探討在華外資銀行的競爭優勢，分析我國銀行業後金融時代面臨的挑戰與困境，以尋求中國銀行業如何應對後金融時代的市場競爭之策略。

This year (2007) is not only the first year after the expiration of five-year transitional period of China 's admittance into WTO, but also the year of inaugurating the national treatment of both local and foreign banks in China . The banking sector in Liaoning Province is encountering dual challenges both from adjusting itself to the changes from the Northeast Economic Revitalization Project and also from the banking reforms during the post-WTO transitional period compounded by the commencement of national treatment to foreign banks. This signifies that Liaoning banking sector is enduring combined risks of both the existing and the incoming. The purpose of this article is to analyse Chinese banking sector's dilemma and challenges in the wake of opening banking market by taking Liaoning banks as an example in an attempt to search for a coping strategy.