Property Right System Reform Of China's State-owned Commercial Banks

The state-owned commercial banks(SOCBs) of China has experienced the marginal reformation for 20 years, but it is still in a low efficient state. The property right institution of SOCBs has been reformed at an accelerating speed, because China entered the WTO. At present, SOCBs are going on the stock market, and reforming their share capital regulations urgently. To make the property right of SOCBs diversified is means a lot, which is signifying a milestone of China gradual reforming. It also says "with the small step of the state-owned banks, China makes a big step".By using the methods of abstract analyzing, the example analyzing and combining the fact that property right division is a must to the market development, I tried to see through the appearance and grasp the most commonessence of the property right institution. Then I pointed out some drawbacks in SOCBs. This thesis has absorbed other people's related fruits and has provided some suggestion.There are five chapters in this thesis. In view of the concept of propertyright functions--the separation of ownership and management as well as theownership of inventors and property right of executives. Afterwards I analyzed the characteristics of modern commercial bank property right. In chapter 2, I looked back the reformed process of SOCBs on the basis of the consistency of history and logic. I compared the main characteristic of the modern commercial bank and pointed out the drawbacks of property right of SOCBs. In chapter three,I analyzed the originality of the unclear huge capital in SOCBs and stated that the property right reformation of SOCBs is necessary and emergent. The chapter four, firstly I analyzed the special inefficient long-time existing property right institution in the SOCBs. Secondly, I analyzed the reformation pressure arising by entering WTO. At last, I put the stress on the property right structure of the shareholding restructure, and the reformation mode of the stock. In chapter 5, I analyzed the opportunities of the shareholding restructure. Moreover I made some suggestion to improve the management structure and mechanism with the aim of better property right efficiency.