Study Of State-owned Commercial Banks Reform Of Property Rights

The state-owned commercial bank is a subject of the financial system, and one country's economic growth, structural adjustment , social stability , people's rich primary condition and key pivot. Realize that the state-owned bank goes through transition to the commercial bank, makes it become the real commercial bank, it is a key link of the financial reform of our country. In order to improve the managerial skill of the state-owned commercial bank, improve administration structure and operational efficiency, financial resources of rational distribution, set up with the integrating, modern commercial banking system in conformity with market economy of international practice, must break the single property right structure of state-run commercial bank, increase property right mobility, shareholding system transformation must be chosen.At first, the dissertation analyses and expounds the theory of property rights institution and corporate governance so as to reveal the impacts to corporate governance from property institution. Then it makes qualitative and quantitative analysis on the limitation and efficiency of state-owned bank property institution, and analyses adverse effect to corporate governance from current property institution. It is concluded that to reform the state-owned bank property institution is unavoidable and most important.The reform of state-run commercial bank is a progressive course, Optimize determining the nature and quantitative discussion to the situation, pluralism of main part of property right, stock right structure of the shareholding system reform of state-owned bank at the end of the article. The article was of proposing property relations reform recently and long-range objective, The immediate objective is to set up state holding group and make the bank, include setting up the holding company of the bank, optimization of the stock right structure and construction of the good company's administration structure. The long-range objective is to set up the general commercial bank. Certainly, the shareholding system reform of the state-run commercial bank is a system engineering, in order to make the state holding mode of bank group be realized, there should be a series of supplementary measures. For instance the settlement of the problem of the non-performing assets, setting-up ofcompetition mechanism ,etc..