On Property Rights Institutional Innovation Of Our State-owned Commercial Banks

With the more deepen reform of our financial system and the more opened financial market after joining the WTO, the environment for the surviving of our state-owned commercial banks will become harder .Although our banks have solved many problems on its management and business, its financial risk isn't wholly eliminated and show up in many ways, such as increasing assets and decreasing profit. This financial risk looks like a market risk from its surface, but its actual root is from institution, especially when the property rights institution reform lags much behind the change of its market economy and external environment. Our state-owned commercial banks land themselves in a predicament for this property rights structure. Therefore , in order to solve this problem completely, the best method is to make measures to quicken their innovation of the property rights institution and finally build up the modern commercial bank system adapting to the development of socialism market economy and the requirement of the reform.This thesis is composed of three parts. The first is to theoretically analyze the functions and the developing history of property rights institution of commercial banks. The second is to compare the property rights institution of our state-owned banks with the developed countries', and analyze the weakness of our state-owned commercial banks' institution. The third is to draw up the aim, methods and steps of the property rights institutional innovation of our state-owned commercial banks in accordance with our actual situation. During the analysis, the thesis is based on institution economics, money and banking theory and modern enterprise theory. Compared with the developed countries , the thesis uses many ways, including empirical test and standard test, inductive method and deductive method. Furthermore, the thesis puts forward some new points, mainly on the relationship between the property rights institution of commercial banks and the development of economy, also the way on the motivation of the property rights institutional innovation of the state-owned commercial banks.