Reform Of State-owned Commercial Banks

The financial industry is the hard core of the national economy in China. The reform of state-owned commercial bank has been the principal part of financial industry in China. The development of state-owned commercial bank plays a great role in the reform of economic system and the development of national economy in China. The management of state-owned commercial banks is now in the conjuncture of national financial safe and economic stabilization along with the deep reform of market economy because the current management and assets of state-owned commercial bank are not improved very well. So the reform of state-owned commercial banks is the key of the financial reform, which is the inevitability in the development of market economy.Based on the theories of modern enterprises and authorization in this thesis, the universality of control theory on modern enterprises is recounted, the advanced experiences and development of a corporation management of national bank in the developed market economy introduced. The status in quo about the system of state-owned commercial bank, the achievements in the reform of state-owned commercial bank in resent years, and the realistic difficulties in theinning mechanism are all introduced. The reeform of state-owned ?mmercial bank is mainly discussed in two ways,. in which one is about ?e corporation system and the other about the corrporation management. is the most important to set up a whole system ?of risk management in ?e reform of management system.By and large, the state-owned commercial ban?k has not the principle ?aracteristics of modern financial corporation syystem. It is a core to ?ablish a perfect corporation governance in refo?rm of the state-owned ? mmercial bank, which includes the reform of sh?are system, change of ?ministrative management, improvement of sh?are holding structure, ?roduction of strategic investors, establishment of the ?nt-responsibility system, and so on. More?over, the corporation ?vernance system, such as internal control system, prompting-restrain stem and opening information system, are also bu?ilt.The change of operating system is the second keystone to ate-owned commercial banks. The reform of opeerating system change ?lects all the activities of innovation of the sta?te-owned commercial ?nk from the end of 1990's. Because the risk of bank industry exited due the short and bed debts of the capital, the supplement system of the ?ital needs to be built by market, includinag the inpouring of vernment, treatment of bed debts, issuance of secondary bonds, fering of negotiable securities, in order to open tup the ways of capitalsupplement to the state-owned commercial bank. The innovation of treatment system of the bed debts la?rgely decreases the risk of banks, accumulates experiences and perfects the management of bank risk.The current development of inte?national bank industry is expatiated in the view of financial innovation. Thee competition of international bank industry is mainly represented by the innovation of bank operation, which constructs a platform to integrate vari?ous resources. A tabular model on the organization of the state-owned Geommercial bank is put forward in this thesis, in which the principles are suitable to the current competition by the guidance of market, customer service, resource integration, decreasing cost, increasing productivity, improving the competitive power of national bank industry and soo on. This sort of model reflects the change of new bank industry froom the lead of productivity to consumption and service. It also reeflects the change of new bank operating thinking for the customer. B?ased on this model, the change of operating system of the state-owned ccommercial bank from the simple assets debts model to the comprehensive assets debts and intermediate operation model is discussed. Some problems and suggestions on the intermediate operation and private financial operation of the state-owned commercial bank are pointed out.The potential development of a Bank depends on the possibility to resistan...