| Analyzing the existence financial status, the government steply broadening the scope of non-state asset' investment can sweep the public asset to enter bank. The too many public assets enforce the birth of public bank. Our public bank develop five stages: country credit bank, state-owned bank, civil merchant bank, minsheng bank and original public bank. There are possibly five problems in the development of the public bank: the market-entering is non-criterion, the mechanism of govern isn' t sound, the special group' s intervene, inner control and associate enterprise' s loan. The main factor to influence financial steady including fiscal policy, Monetary y policy, bank, insurance , security market and other factors. We can conclude bank is the main source of financial risk though analyzing. In this article apply the financial steady indexes to scale the influence of bank on financial steady, the indexes include five catalog, they are asset adequate, asset qualify, liquidity, sensitivity to risk and asset profit.Before the foundation of public, we have a total thought on public bank, including market-orientation, district selection, asset-fabric, modern enterprise principle, sound principle of "enter" and " exit" . Then we can analyze how much the public bank influence the five indexes. After analyzing, we can conclude that the public bank won' t influence our financial steady. Then as a case of public bank .minsheng bank have reached certain scale, but minsheng bank have not cause financial risk in our country. After analyzing Japanese, Thailand and Taiwan' s public bank' s status and how they influence the financial steady , we can get some experience and lessons. Though the public bank won' t baden the financial steady through the analyse, we still need goveren the public bank strictly according to our state circumstance. As a result, the foundation of public bank can' t obstruct, the public bank have an order and under strict goveren .public bank do well to our financial steady.
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