Shareholding Reform And Listing Of State-owned Commercial Banks

The state-owned commercial banks are the most important part of our financial system, dominating the financial resource as the most important part of financial system in China, have been playing an outstanding role in the national economic construction. However, with the constant reform of economy and finance, a few conflicts and problems hidden deep in the state-owned banks have begun to occur, such as the high rate of non-performing capital, the lower capital adequacy ratio, poor management, the bad support to the enterprise and etc. Therefore, at the approach of financial opening to the outside in 2006, Chinese economy and society have been more and more influenced by the globalization and have become more and more prominent. Under such condition, there should be a thorough shareholding reform within the state-owned commercial banks, on the basis of which the banks are allowed to come onto the capital market, and thus set up a modern banking system featuring "clear property rights, clarified right and responsibility, separated government and enterprise, scientific management".Firstly, based on the most experts' views on the above mentioned problems, this paper reviews the present situation of overseas commercial banks, and the significance from two aspects of shareholding reforms and coming on the market; Then, the most part of this article is the analyze and the gradual summary of state-owned commercial bank's reforms; and it gives the success experiences of the reforms and shareholding, in the same time, and the short comes; Finally, it discusses the issue which the state-owned commercial banks must face, Then it suggests that a better way of changing the present status should start to reform the shareholding system and put it onto the market by analyzing the current existing problems and deficiency in the state-owned commercial banks in China; hoping to explore the future development direction to the state-owned commercial bank.