Lingnan Hong Commercial Bank

Economy determines Finance. National economic development method and variety decide the requirement and functional transformation of Finance. At present, the non-state economic becomes the most active part of the domestic economic growth. But in the contrary, non-state economic section cannot obtain the suitable finance serves which can reach their demand. It illuminates that the macro-allocation of finance resource is out of the way.The banking house and the enterprises' character is symmetrical reciprocity, saving-up converts investment most efficiently and stably, such as " big bank to big company" and "small band to small company" are the typical models. But the meso-mine type of banks represented by City Commercial Bank is running hardly, they are starving for a scheme arrangement with reasonable reconstruction.This essay is attempting to analyses the case, which the Lingnan Hong Bank is defeated of prosecution, in order to elicit that risk existed in the meso-mine commercial bank is from the irrationality system arrangement. If it wants to be solved the problem radically, it should be rebuild capably. Compared with the meso-and-mine banks of the developed market economic countries, probe into the innovative principium model of our meso-mine banking house systems, and combined with the facts of the Lingnan Hong Bank, advance some reconstructive suggestion, the basic point of views as following:1. Breaking through from the reform of the property rights, achieve the nongovernmental and multi-entries property rights.2. Build up the validity administrative organization for the corporation juridical person.3. Strengthen and perfect the inner control system.4. Consummate the management of banking houses and reinforce themonitor.5. Unite the development in order to strengthen of the banks.6. Consummate the exterior supervises system; engender optional and high-efficient resultant force.The innovation of this essay brings out a comparative implement scheme on how to establish a system circumstance, which is propitious to the development of our meso-mini commercial banking house.