Study Of The Relationship Between Risks And Government Fiscal Responsibility Of State-owned Commercial Banks

The risk of State-owned commercial bank has its particularity, then the relationship between it and government finance is also particular. So the paper searches the. problem that the relationship between the risks of state-owned commercial bank and the responsibilities of governmental finance based on summing up the relative research done by lots of domestic and foreign scholars.The establishment and development of State-owned commercial bank and the state of risk is the background of the analysis of state-owned commercial bank's risk.Market failure is the start point of theory in the paper, and different performances of market failure such as big external influence, asymmetric information and shareholders supremacists decide the different responsibilities of governmental finance. The transfer of risk from bank to public finance, the influence of public policy to the bank and macro financial risk also become parts of theoretical angle of this paper.The state of economical reform is the starting point of practice in the paper. The division of existing risk and increasing risk of state-owned commercial bank make it clear that there are different responsibilities of governmental finance in different level risks. The financial function became public financial function in part. And state-owned bank take some cost of the progressive reform. So the governmental finance must take responsibilities of existing risk. Then there are some responsibilities that should be taken by government in the reforming of the state-owned commercial bank.Based on the analysis above, we can get the conclusion that the dual role of governmental finance made the dual responsibilities of it. The dual responsibilities are the functions as a public government and as the stockholder of state-owned commercial bank. The paper gives some advises on policies: to change the roles of government functions, define the different responsibilities in different times of public finance, complete the system of the management of state-owned assets and set up the systems of finance stabilization.