| The reform of finance system is of a long term and complex historic process. The whole finance system has been experiencing a kind of gradual and profound system evolvement accompanying by the process. In the past time, as the main composing of Chinese finance system, state owned commercial bank, taking the responsibility without shirking, played the financial support role for the gradual process reform, even sacrificed its own efficiency and deserved benefit without hesitating. However, the balance which exchanging from the sacrificing is short lived after all, accompanying by the deeply process of reform and the change of economic increase mode, state owned commercial bank has not met the requirement of market economy yet. After entering WTO, facing the competition of overseas banks, state owned commercial bank has disadvantage starting from benefit capacity, capital abundance ratio ending with the area of management. Moreover, actually some of the domestic stock system commercial banks, including some local commercial banks have already impacted the state owned commercial bank. Currently, the four large banks are not the real meaning of enterprises and companies, which are still impacted a lot by the administration of planning. Facing the competition pressure from overseas and domestic, the original state owned commercial bank system couldn't continuously last anymore as sacrificing it own efficiency and deserved benefit. Urgent issue which need to be solved is system, reform has been gradually put forward to the schedule.The four state owned commercial banks are the core of state bank system, even of the state finance system. So, it's no doubt that the reform of state owned commercial bank is the most important part of that of state finance, whether it succeed or not will directly impact the reform result of state finance system, even of the whole market economy. In this background, combined with the property right theory, establishing modern bank system theory, consign-agency theory, the article would start from the actual difficulties of state owned commercial bank, seek for the state owned commercial bank reform way, which is the reform of joint-equity. The article consists 4 chapters, there are 2 big parts from the content point of view. The first 2 chapters is the first part, which proves the necessary of state owned commercial bank stock systematic reform, that is the reason why the state owned commercial bank stock systematic reform is needed. The second part of the article is No.3 and No.4 chapter, which focus on the feasibility of stock systematic reform, that is to discuss how to implement stock systematic reform.The first chapter of "put forward the issue of state owned commercial bank stock systematic reform", which is the whole article's starting point and basement. The chapter describes the state owned commercial bank current situation, the key issues faced, pointing out the shortage of property right system, management system, organization system, badness assets and capital abundance ratio, etc., drawing the conclusion that the stock systematic reform is the outlet of state owned commercial bank reform. The second chapter of " stock systematic reform is the strategy choice of state owned commercial bank", which focus on analysis the necessary and feasibility of state owned commercial bank stock systematic reform. The article describes that stock systematic reform is the outlet of the situation of badness assets accumulation, lack of capital, etc. which caused by property right definition unclearness, management structure non-optimization. The third chapter of " the basic thought of state owned commercial bank stock systematic reform" is the emphasis of the article, mainly discusses the layout design of state owned commercial bank stock systematic reform. Regarding the choice of stock systematic specific modes, comparing with two kinds of stock systematic company, the article proves the stock limited company is the best mode of state owned commercial bank stock systemati...
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