The Research Of Assets Operation Of State-Owned Commercial Banks

Commercial bank systems are fundamental to national financial systems and exert significant impacts on national economy. Especially,it is very true of the state-owned commercial banks in China. Therefore,how to improve and function the state-owed commercial banks is of primary importance in the course of building up the market regime. The paper starts with the history of the development and the basic connotations and principles of assets operation as well as the evolution of the theories of assets operation of commercial banks. Then we proceed on more detailed analyses assets operation of commercial banks in China. Here,some research data are cited as the evidence of our conclusion. The conclusions are reached that the root causes of state-owned commercial banks' malfunction are attributed to two levels:marco-factor mainly lies in state ownership of bank's property rights,micro-factor in management and technology. Consequently,the policies suggest that the authorities concerned speed up transforming state ownership into shareholding and level the play ground,further,state-owned commercial banks should introduce advanced management and technology overseas to improve their performances.