On Strategic Choice Of Deepening China's State-own Commercial Bank Reform

To deepen the reform of state-owned commercial bank is vital to the reform of our country's economic system, especially, in present day. Facing to the severe challenge of joining-in WTO, the goal of reform that is a strategic problem concerns the overall situation of whole country. Concentrating on the goal of reform, thinking back the road of reform we had experienced, finding out the chief problems which still exists nowadays and clarifying the cause of them, proposing the suggestions about reform, all of above have positive significance of theory and reality.This paper article believes : as the goal of reform of four state-owned commercial bank "Modern state-owned commercial bank" should have both the character of commercial bank, and the character which can embody modernization in the future development and trend of Monetary globalazation. Moreever, It should have diversified forms and be sound, reasonable and scientific in the system of property.Now ,reform of China's state-owned commercial bank has practice four period . At present , it is the course of building up modern commercial bank along with some serious problems , for example , deficiency of financing, low-quality capital, financial service is out of date, the pattern of management falls behind, benefit of management is poor, Etc . The reasons for that are imperfect property right, unreasonable organization structure, unrational management mechanism, district risk supervision intercourse of the factors make the situation of reform complicated.To solve the problems to the point, we must make the reform of joint-stock forclear property right, successively adjust the organization structure according to liberalization and do diversification so as to convert special management into mixed gradually. Only so, it is practicable to deepen reform, accelerate development, stand out among various enforced competitor at international financial market and meet the coming of china after entering WTO with optimistic gesture.This paper consists of five parts. Part 1 discusses the meaning of modern state-owned commercial bank. Part 2 recollects the process of reform that China's state-owned commercial bank had experienced since 1978 Part 3 summarizes the present major problems of China's state-owned commercial bank fully. Part four dissects the reasons for above problems. Part five brings forth the reform suggestion from macro-structural view and micro-structural view in order to put forward some useful advice to deepen the reform of China's state-owned commercial bank and meet the challenge of WTO entry.