求翻译：加入WTO也推动国有企业改革，建立现代企业制度,例如银行、保险、证券文化出版业等方面的体制改革，以适应这些领域逐步开放的需要。按照入世承诺，自2006年12月11日起，中国开始取消外资银行在中国经营人民币业务的相关限制，汇丰、渣打、花旗等在华主要外资银行一夜之间获得了国民待遇，而普通老百姓也有了更多的选择。但与之前担心的人们会把钱都存到外资银行去相反，经历了“五年狂奔”的中资银行，因不断改善的服务和灵活的信贷产品，反而得到了更多的青睐。信用卡、按揭贷款、分期付款购物等业务方式，都成为了老百姓新的消费习惯。是什么意思？

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To join WTO also promoting reforms in state-owned enterprises, the establishment of the modern enterprise system, such as banking, insurance, securities, such as cultural and publishing industry of institutional reforms to adapt to the demand for gradually opening up these fields. In accordance with

Accession to the WTO is also promoting the reform of State-owned enterprises, establishment of a modern enterprise system, such as banking, insurance, securities cultural publishing and other aspects of the reform in order to meet the needs of progressive liberalization in these areas. In accordance