The Reform Of Share-holding System Of The State-owned Commercial Bank

As the core of the modem and financial system, the state-owned commercial bank plays an important role in maintaining our financial order and promoting our economic development. The reform of our state-owned commercial bank has great significance to the reform of our financial system. At present the system irregularity of the state-owned commercial bank has greatly limited the development of the state-owned commercial bank, which becomes the "systematic" obstacle in international competition after the entrance of WTO. The fundamental way out for the state-owned commercial bank is to proceed the reform of share-holding system according to the requirements of the modem business system. So this research has important theoretical and practical meanings.At first, from the basic theories of the property, this paper introduces the common theory of the bank property, and compares the bank property system in Chinese with that of other foreign countries. I point out that the bank property system of our country limited its development, and can't adapt itself to the economy development and the competition of the global financial market. After that, this paper analyzes the choices of the reform of the bank property system of our country from many different angles, and compares the advantages and disadvantages of the state-owned system and the share-holding system, and makes a conclusion that the reform of share-holding system is the necessary choice and the best choice to the reform of the bank property system of our state-owned commercial bank. On this basis, I put forward the overall plot to perform the reform of bank property system of our state-owned commercial bank, and point out the reform target of setting up modem commercial bank, the gradual reform sequence, the different choices of reform plan and the relating concerted measures that must be completed gradually. At last, I put forward the possible risks in the cause of the share-holding reform and the effective measures to prevent and control them, and raise some propose to the operating management.In a word, this dissertation regards that the share-holding reform of state-owned commercial bank is necessary and possible. The fundamental target is to set up modem commercial bank system, and the essential demand is setting up distinct financial property structure and perfect management structure. In order to guarantee the success of the reform, we must prepare actively and comment safely.