China Banking M & A And Reorganization Empirical Research

The global banking is experiencing a profound changing under the condition of brand-newly politics and economy. As for China's banking involved in the changing, how to meet the need of social development and how to confront the challenges has become a real-life and pressing problem. Banking is the core of our modern economic life, so it is increasingly important to make clear that what is the trend of global financial development, how to have a clear idea about the world position of China's banking and how to strengthen our own financial undertaking. With the increasing advancing of consolidation of international banking, the academic circles are engaging on more and more study on this field. From the angle of the cases of consolidation and recombination of banking home and abroad, the dissertation analyzes the reasons, throw light on the views and try our best to hunt the countermeasures.At first,, introducing several theories related to consolidation and recombination and reviewing development course of China's banking which can be divided into six parts, the dissertation depicts concisely consolidation and recombination of China's banking in such periods as early stage of PRC's foundation, 1955-1978, planning economy, market economy, recombination by administrative order under the condition of market economy and recombination by market operation. And also, the dissertation discusses the importance of consolidation of our country's banks by expounding all kinds of advantages consolidation and recombination of global banking brings including depending its scale to improve cooperative domino effect, achieving mutual perfection of advantages and disadvantages, enforcing bank's competitive ability and strengthening its ability to resist risks.Secondly, the dissertation analyzes such obstacles of recombination of China's banking as the abundance rate of capital can't meet the need, high ratio of ill assets, low efficiency, low ability to gain benefits, law and regulations which can't match. Because these problems have their own historical reasons and social background, the work of tackling them is tough. The consolidation and recombination of China's banking can't undertake smoothly and strengthening and expanding of banking is impossible if these problems can't be tackled.At last, the dissertation focus on discussing the practical approaches to achieve the recombination of China's banking successfully. In this part, the importance of reform of property right, which is regarded as the key step in recombination of China's banking, is stressed firstly. The main process can be divided into such three steps as founding financial holding companies to realize the country-holding administration of national commercial banks; making part high-grade financial assets come into market preferentially to realize transformation of national commercial banks from national stock enterprises to national holding popular enterprises; and operating capital market in a market style to realize the recombination of China's banking. As for the recombination of assets, some examples are enumerated to explain the formative reasons of ill assets and put forward the approaches to reduce the rate of ill assets. In addition, in the vary last part, the paper not only points out that it is necessary to finish the overall recombination of business, organizations, human resources and enterprise culture but also brings forward the practical resolution of overall recombination.