The Study Of The Lao State-owned Commercial Bank Reform

Being the main part of the laos financial systems, state owned commercial bank plays the financing institution supporter's role to the development of the economy. Nation at a importance of the financial system aspect reform raise carries on reform to the state-owned commercial bank system, the reform of the financial system is a long but complicated process. Along with the nation reform progress through increasing the change of economic way, the state-owned commercial bank already can't adapt the demand of the market economy. So far: Laos have already joined the international stage nowadays, under the rules of the game of the nations and the influence of the globalization, the Laos state-owned commercial bank is the commercial bank of rather other nations already. In the other hand, the management principle of the localCommercial bank is unwell already should modern market economy. Regardless the capital ample rate competition an abilities still in management aspect, all fall behind. The actually a little bit local shares system commercial bank has already become impact as well to the state-owned commercial bank. in the Laos state-owned commercial bank the very great degree of influence by the administration is still very big, isn't a real company, under the situation that face inside the outside competition pressure, Laos state-owned commercial bank the proper system result into sacrifice to the efficiency and the benefits, needing the key problem to resolve urgently the system problem, the matter of reform lifts gradually up the agenda.The most important part of reform of the Laos state-owned commercial bank doubtless is Laos financial system reform , the reform of the state-owned commercial bank should press economics basis combine according to Laos national of actual circumstance, with careful,safety,valid with have the reform of the step method, can't harm Laos economic development , chase Laos state-owned commercial bank establishment become modern commercial bank. This text drew up to set out from the realistic predicament of the Laos state-owned commercial bank, the usage economics theories,property right theories,the modern commercial bank system theories...etc. to inquire about Laos state-owned commercial bank during reform process and gives a way of thinking, the reform system became progressively on schedule.The full text has five total parts, the first two parts are the introduction of Laos history and development of the state-owned commercial bank, point out the existing problems in the state-owned commercial bank of the Laos .The third part introduces western developed countries internal management control and advanced service management experience, It will bring to laos state owned bank a distinguished reform advices. Its fourth and fifth part talks about the necessity of argument Laos state-owned commercial bank share system reform, and the reason to carry on the problem of the share system reform.The first part is the point of departure of the statement that the full text discusses. This part said the history and the development history of the Laos state-owned commercial bank, And the problems that it faces currently , points out the Laos state-owned commercial bank property rights system, the management system, the organization ,bad management to cause a bad loan the comparison lead high and capital, the ample rate is low, then putting forward the share system reformation determines Laos state-owned commercial bank reform's exit.The second part, said Laos state-owned commercial bank face key problems, the legal right obligation of the Laos state-owned business enterprise and state-owned commercial bank relation, Laos state-owned commercial bank customer service. Points out that the Laos state-owned commercial bank conducts the problem of the management aspect existence, secondly, the problems are: administration planned loan, unique financial assets, lack a creative financial service principle...etc., these problem disadvantage in the competition and the development of the state-owned commercial bank. Again, describe Laos competition of the state-owned commercial bank and local commercial bank, carry on with the shortage and blemish of other commercial banks a simple comparison to the state-owned commercial bank.In The third part, the contents of this part are showing the western and flourishing and national share system internal organization management for Laos the state-owned commercial bank share system reform provides a management experience, for example: The internal risk control management of the modern and flourishing and national share system commercial bank, the flourishing nation is in the aspects of believing ,the loan authorization and examining and approval of case an example, internal check and auditing. Study a flourishing nation to control abundant experience of management interiorly, study a flourishing nation to manage experience of the construction, the covariance data usage in the information, for Laos state owned commercial bank the construction of the information system will provide a reference from now on.Fourth part centers mainly necessity and the possibility analytical Laos the state-owned commercial bank share system reformation .This text's putting forward share system to Laos state-owned commercial bank's property rights are not clear in meaning, the commercial bank manage bad property that the structure isn't perfect and resulted into accumulative and gathering, the capital amount shortage etc. the disadvantageous situation reform of realistic exit, then describes the strategic meaning of Laos state owned commercial bank share system reform. The share system reform from farsighted is advantageous to the competition ability that raises in the state-owned commercial bank, and promote the market economy reform, has a business enterprise share system reform , to provide a full basis for the country. Discuss the project design of this part of main study Laos state-owned commercial bank share system reform, puts forward the best mode that the joint-stock company system is a state-owned commercial bank. Put forward modern bank system only, the legal person manages structure, then can realize Laos state-owned commercial bank's property rights clear in meaning, the power is explicit, the separate, management science; Manage mode in the company up, emphasize real legal person of establishment to manage structure; The study Laos state-owned commercial bank share system reform contains few problems and risk that need to be noticed finally.The fifth part, mainly study currently the kit reform of the Laos financial macroeconomic environment, state-owned business enterprise, take charge of level to put forward the finance request and talented persons, of the support of aspect in the state-owned commercial bank share system reforms such as need and development etc..Laos the reform of the state-owned commercial bank share system, is for the sake of the realization Laos the modern commercial bank construction power of the state-owned commercial bank's obligated actions .The share system reform's not only the reform of the only state-owned commercial bank itself, but also relates to the reform of financial system, state-owned business enterprise of the financial system is the overall situation that goes to the whole economic system reform. The realization of above target, depends on in loosen of the exterior environment and the reform countermeasure of the kit.