State-owned Commercial Banks: The Inefficient System Of Research,

The innovation of the state-owned commercial bank is the emphasis and the difficulty. With the entering the WTO., we focus on competitive capacity of the state-owned commercial bank. As a economic organization, the efficiency is the competitive capacity. The radical reason for the lower efficiency is the financial system. At first, the paper analyzed the special content and demonstrated the situation of the low efficiency of the state-owned commercial bank. Then, the paper analyzed emphatically the system reasons of low efficiency. At last, the paper draw up the ways of raising the efficiency of the state-owned commercial banks. The paper applied the observing method of test and norm. According to the comparison of a series of efficient index between the state-owned commercial bank and the American commercial bank or Chinese new bank, we can prove the low efficiency of the state-owned commercial bank. The paper analyzed the system from overall situation to parts, and pointed out particularly the influence on the low efficiency because of emphasizing excessively the safety and ignoring the efficiency in the internal control system and financial supervising system .The part of system innovation applied the method of norm . The practical propose in policy aimed at aU aspects of system transformation ,it can provide the effective guidance for the further innovation and raising the competitive capacity on the state-owned commercial bank.Zheng xiaoling (Money and Banking)Directed by Wang guanwei...