Research On The Stocking-holding System Restructuring Of State-owned Commercial Banks

After China successful entry into WTO the state-owned commercial banks confront strong competition from the foreign banks and the new domestic sharlized banks. The only way to get the advantage is to restructure the stock-holding system of state-owned commercial banks.This reform aimed at resolving the problem of capital inadequacy,establishing the new modern-commercial bank system and getting the power to develop,which means to set up transparent financial structure of property rights and consummated corporate governance structure. The optional scheme and consequence of the reform should beestablish state bank holding company,check and ratify assets,strip the non-performing assets,raise corporation share opening and finally be listed on the stock exchange market.There are some important institutional change of the state-owned commercial banks,they focus on the relationship between the headquarter and the subsidiaries of the state-owned commercial banks,the arrangement of stock controlling right and equity structure,the decision of listing,and the organization reform of the banks. In this reform it should be pay much attention to the controlling of financial risks,dealing with the bad assets and overwhelming the difficulties of listing.