The stock system reform of the wholly state-funded commercial bank concerns the development and stability of China's financial circles and influents the security and efficiency of national economical operation. This text uses the theory thought of Deng Xiaoping's economy and finance to deeply analyze the gain and loss of the wholly state-funded commercial bank in the reform course of joint stock system from resuming setting up, specialized reform, commercialized reform until to the joint stock system reform in the past twenty years. It also analyses the focus and difficulties in the present stock system reform of the wholly state-funded commercial bank from the angle of system economics, including the narrow channel of capital supplement, difficulties of dissolving the Distressed Asset, the lag and rigidity of operating mechanism and so on. It proves emphatically that the origins of these questions lie in the traditional social economic system and single relations of property rights. The key to solve these problems lies in improving the property relations of the wholly state-funded commercial bank and implementing the stock system reform. On this basis, I propose the concrete tactics on overall direction, basic principle, organize mode, and implementing steps of the stock system reform of the wholly state-funded commercial bank. This text gives some innovative ideas on the Control of state-run capital to the banking, the mixed operation of Chinese banking structure, the organize mode designing of the stated commercial bank after the stock system reform etc.
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