Study Of Joint-stock Reform Of State-owned Commercial Banks

As the body of the modern and financial system, the state-owned commercial bank plays an important role in maintaining our financial order and promoting our economic development. The reform of our state-owned commercial bank has great significance to the reform of our financial system. At present, the system irregularity of the state soly-owned commercial bank has greatly limited the development of the state-owned commercial bank, which becomes the " systematic" obstacle in international competition after the entrance of WTO. The fundamental way out for the state-owned commercial bank is to proceed the reform of share-hoding system according to the requirements of the modern business system. At the present stage, there are no theory and policy obstacles in the reform of the state-owned commercial bank. The state-owned commercial bank having environmental conditions, we must carry out the reform greatly, step by step, in line with the successful experiences of the reform of the state-owned enterprises, taking the diversified network type of ownership of share structure as a basic model. We should build large, comprehensive, multinational group companies operated by transtrading with banking as their main business, gradually make the state-owned commercial bank suitable for the international financial system to strengthen their competition.In the reform of share-hoding system of the state-owned commercial bank, we should make it clear that the share-hoding system of the state-owned commercial bank is not privatization. We should earnestly clear, check up and handle the capital of the state-owned commercial bank, consider the arrangement of the structure of its share ownership. We should manage our state-controlled capital scientifically and normally, work out the problem of shareholders of state share or that of the representatives of shareholders. Meanwhile, during the reform of the state-owned commercial bank, we should notice the numerous risks that the state-owned commercial bank faces, including the fluidity risk, the financial system risk, the systematic risk in financial market,etc. We should take effective measures to prevent and control them to ensure the reform of share-hoding system of the state-owned commercial bank to go on smoothly.