Research On The Institutional Renovation Of The State-owned Commercial Banks In China During Transition And Transformation Period

AS a developping country, China is just in a special history period when China transits toward the market economy system and transforms toward the modernization stage. During the transition and transformation period, China state-owned commercial banks endure enormous pressure from inside and outside. The state-owned commercial bank would be difficult to survive and develop under the drastic competition, if it could not adapt the developing environment actively and could not reform and innovate according to the modern commercial bank system. It becomes a important academic and applied researchful project that the state-owned commercial banks how to reform and innovation. Therefore this dissertation chooses research on the institutional renovation of the state-owned commercial banks in China during transition and transformation period as my researchful object of doctor'dissertation.This dissertation makes a conclusion that the scope of efficiency variety of the four state-owned commercial banks is less than 1, especially the pure efficiency under 1, based on the evaluation on the efficiency of the state-owned commercial banks using the changing scale DEA method. The system is the reason of short of efficiency of the state-owned commercial banks, including property rights system, corporate governance mechanism, organization structure, management system, the internal control system etc. The reform of the system, especially the reform of the property rights far lags the changing of the market economy and exterior environment. The state-owned individual proprietorship, and the organization structure and the operation method based on it make the state-owned commercial banks sink into predicament. The problem of lowly financial efficiency and financial risk exposing continuously become incurable disease.The dissertation research inherent regulation which the system changes, according to the modern company system and modern commercial bank system, based on the assumption that the executives of the state-owned commercial banks are limited reasonableness economic person, taking the system innovation of the state-owned commercial bank as the researchful target, making use of the system economics, information economics, the modern property rights theories and the modern enterprise theories, using for reference of the western banks reform experience, angle changing from the history, according to the evolution standpoint, combining the...