| Currently, it has become a common phenomenon that the banking of our country has been confronted with a great deal of trouble involving enormous Non-performing Assets and deficiency in the ability of profit. We may easily understand the reason of the above-mentioned problems in terms of the four big state-owned commercial banks. On the one hand, the four big state-owned commercial banks have been affected by the planned economy system for a long period of time. On the other hand, it is over several decades for these problems to have been led to. However, what is too hard to be understood is that the city commercial banks of our country are in a dilemma, although all of them were established in the light of the share system of modern business. They have accumulated a huge sum of bad debts only in several years, and most of them have a deficit. What exactly are the problems with the city commercial banks? It is the purpose and the key point to analyze the "cause of disease" and put forward the counter-measure. The full text is divided into three parts.In the first part, the history and the actualities of city commercial banks in our country are retrospected and described. According to the information announced by the authorities in some public situations, we can see that the actualities of our country city commercial banks are rigorous. On the one hand, although the city commercial banks with great achievements, for example, in Peking, Shanghai, Shenzhen and Nanking, have a quite good property, they are faced with such problems as how to carry out "across the district to extend" and how to achieve greater development in that the supervision to the banking is quite strict in our country. On the other hand, those in a predicament, which are the great majority of city commercial banks, are confronted with many urgent problems, for example, how to look for a bridge of gold, how to handle the Non-performing Assets, how to decline the risk, and so on. As for these problems, the nation cannot resolve them by adopting such measure as pouring capital into Bank of China and China Construction Bank. Although foreign capital and national private capital are encouraged to enter city commercial banks by the supervision authorities, it doesn't mean they want to have a finger in the pie. Obviously, the current situation of the city commercial banks is: the good city commercial banks are restricted to extend by crossing the district so that they can not become stronger, while the bad lack leeway in that no one would like to pay a bill for them. In general, the city commercial banks are being placed in an embarrassed predicament. In the second part, which is the key point of the text, the reasons why the city commercial banks are placed in the predicament are analyzed. The reasons can be summed up in three respects. In the first place, those bad city commercial banks have such a great of Non-performing Assets that they can hardly make earnings, which leads to the direct reduction of the bank capital. Under the condition of capital regulation, the business and scales of the bank would be restricted greatly if the capital adequacy ratio is low, which would conversely bring about the increasing of the Non-performing Assets ratio, so that those bad city commercial banks are caught in the so-called vicious circle of the bank predicament. In 1995, the original intention that the State Department decided to set up city commercial banks on the basis of the city reputation agencies, which had had a great of Non-performing Assets, was to reduce financial risks accumulated by the city reputation agencies. That is to say, all of the current 112 city commercial banks in our country have shouldered the enormous high-risk property since their establishment. The low-quantity of the assets has become the development bottleneck all along. Our country city commercial banks haven't carried out capital regulation ever since they were set up so that the local government and other shareholders of the city commercia...
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