New Theory On The Property Rights Reform Of The State-owned Commercial Bank

The modern property right theory thinks, the financial product that the commercial bank offers belongs to the private products, but because it has the externality in the course of management, the most suitable property right structure is the collective property right limited. The property right system of the state-owned commercial bank have violated this principle, thus caused its all sorts of questions in managing course. The defect of property right system has been the basic question that perplexing the state-owned commercial bank in our country too. After entering the WTO, as the competition of the domestic and international banking aggravates day by day, the task of top priority of the state-owned commercial bank is to carry on property right system reform, construct property right system of modern bank that adapting to market economy. This text proceeded with modern property right theory, analyzed the structural characteristics of property right of the modern commercial bank and the state-owned commercial bank, then pointed out the problem existing in the property right system of the state-owned commercial bank, then analyzed the internal reason and external reason to the property right system reform of the state-owned commercial bank, and then explained the certainty of the property right system reform of the state-owned commercial bank from the cost–benefit angle, finally, proposed the goal , thinking and reform route of the property right system reform of the state-owned commercial bank in our country. This text includes five parts altogether.Part one Proceed with modern property right theory, dissected the property right system defect of the state-owned commercial bank especially. According to the modern property right theory, all economic resources can be included in three major kinds: personal product, public product and club product between the two. The commercial bank regards pursuing profits to...