The Research On The System Reform Of Property Rights For China's Commercial Banks

From the market economy of occurrence and development regulation to see,finance is a modern economy of core, but China of commercial bank Be our countrythe funds of most in the economic activities gather to spread organization, is an ourcountry finance system in most importance of constitute part. Therefore, Chinacommercial bank efficiency not only relation arrive finance resources can validallocation, still influence China national economy health fast development of keyfactor.The commercial bank is the government industry policy and monetary policy ofmain conduct outlet, but China the low efficiency of the commercial bank alreadyseverity influence government to economy of macro view adjust to control anefficiency, in the meantime because of commercial bank efficiency low but makecompetition ability low, influence our country whole economy of internationalcompetition ability. Up to now, the reform of the our country state owned commercialbank still stay around a kind of formality or outside ductility of reform stage, somedeep time of antinomy although continuously expose long-term can not get decisionlayer of value and research the solution of root, the especially state owned commercialbank is produce the irregularity of power system and have already become a check andsupervision state owned commercial bank existence and development of main obstacle.The commercial bank produce power system whether valid, direct relation arrivefinance resources allocation of efficiency, direct influence arrive society saveinvestmentconversion the function and velocity of mechanism. Rightness should theproblem carry on research and be advantageous to abundant the bank theories of thesocialism currency, especially for present stage of state owned commercial bankreform have importance of reality meaning.This text elaborated to produce power system theories first, for the country haveproduce of commercial bank's power reform to provide theories basis. Point introduction produce the concept of power, produce power system and its function andproduce power valid circulate condition with produce power system of efficiencyevaluation standard and clear in meaning produce the meaning of power. Secondly,analysis our country the commercial bank produce power reform of history, results,now existence of problem and correspond of deep time reason, for the country haveproduce of commercial bank power reform to provide reality foundation. Again,evaluation Japan and Europe of commercial bank and France Lyons letter the loanbank produce power system reform and experience draw lessons from, and furthersummary abroad the trend that the power system turn into of the produce ofcommercial bank and apocalypse, thus and for the country have produce ofcommercial bank power reform to provide nations draw lessons from. End, at theoriesbasis, reality foundation and nations draw lessons from of foundation up, put forwardto our country the commercial bank produce power system reform suggestion: (1)Theestablishment modern business enterprise system: Main include to grow an agentmarket, break from the party organization ordination high class management layer oftradition; On the law perfect supervisor would implement the procedure of the directand provision; The establishment is valid of encourage a mechanism, work out themotive problem of client and agent.(2) Realization moderation scale economy: Maininclude an establishment to take competition as foundation of control; Relax controland control reconstruction.(3) Norm law system with perfect finance Main includeconsideration in"the commercial bank method"the modification finance the businessenterprise produce power reformation of factor; The establishment is valid of the bankcompany manage structure; The reform perfect bank information disclose system.(4)Enhance the finance take charge of system: Main include speed existing law laws ofmodification, establishment overall of the bank take charge of a law frame; The changetake charge of principle, establishment and nations to is in line with of take charge of away; Strengthen bank, stock certificate, insurance three big take charge of organizationof moderate, establishment crisis early warning and processing system; Strengthen therisk take charge of; The improvement take charge of way and means; Strong take charge of a personnel a training, development the character take charge of a troops.Producing power system an arrangement is a core of economic system design andchange problem. Produce power explicit define with valid circulate ability biggestexaltation finance system of encourage and control function, then exaltation financeresources of allocation efficiency. Although our country each item of the commercialbank reform all have dissimilarity result, a lot of problem always can't solve, distanceour target still very far. Is orientation economy finance globalization of developmenttrend, is greet foreign capital bank of fierce competition, for holding tight a financialindustry to open the opportunity which bring us, as soon as possible establishmentmodern commercial bank system, the competition ability which promote commercialbank be us current face of importance mission, but carry on this deep time key forreform should be a produce of commercial bank power system of reform. This textproduce power change to the commercial bank of research possibility rightness asfollows the problem have importance of apocalypse and meaning: Solve the keysticking point of commercial bank, orientation our country market economy reformand development, obtain a comparative advantage in the banking day by day thevehemence of the competition, valid guard against with dissolve finance risk,exaltation finance resources of allocation efficiency, exaltation commercial bank ofvitality and competition real strength, promote our country the whole efficiency of thecommercial bank system, insure at vehemence of competition neutral at the invincibleposition.