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Study Of State-owned Commercial Bank Reform Path

Posted on:2006-08-05Degree:MasterType:Thesis
Country:ChinaCandidate:G WangFull Text:PDF
GTID:2206360155471421Subject:National Economics
Abstract/Summary:PDF Full Text Request
Financial is the core of the modern economy , at the same time,banking is the main part of the modern finance. Industry and Commercial Bank of China(ICBC),Agriculture Bank of China(ABC),Bank of China(BOC)and China Construction Bank(CCB),"Big Four"stands monopoly position and plays a key role in Chinese financial field for a long time. The state-owned commercial bank not only at the aspect of mobilizing the society save, promoting the deposit to convert to investment, installing the social resource, propping up the national economy fast development but also in the field of financial macro control, supporting the state-owned business enterprise reform and develop, maintaining the society,s ,which also plays an important role. However, the property quantity and economic performance of state-owned commercial banks are not along with the expansion of their scale increase, the large quantity credit loan resources is still disposed by the traditional method that made the low effect, so that the credit property quantity is continuously worsen ,the results report of operating descend and operating risk accumulate continuously. The problems and contradictions of the state-owned commercial banks are increasingly prominent; the reform of state-owned commercial banks becomes the very important thing in financial system reform. The reform and opening of Chinese economy started from 20 years ago, the state-owned bank also proceeded a series reformation that have the character of commercial bank, though obtained the certain result, it still stay around to put to every kind of relations ordered , perfect operating mechanism, all these reformations did not touch the structure of owner ,corporate governance and organize composition. As a result, the injection of capital to the bank and come off the non-performing capital are all failure. At the same time, economy develops restricted by today,s financial structure , on the other hand , after joining the WTO, the outside competitive pressure is increasingly heavy. How to jump the traditional bank reform situation of "path lock"and make the reform walk on a new path is the main content in our text。State-owned commercial banks have already started their whole arrangement reform. We delineated a new path of state-owned bank,s reform based on the tail of research. First, use the foreign exchange reserve and other forms to inject the capital to the "Big Four", find out the breakthrough point of bank reform, then start the finance reorganization of the bank reformation. Under the function of the inside and outside, increasing the bank,s capital adequacy rate, lower the bad property ratio at the same time, let them" the casual wear goes to battle". second,after finishing the financial reintegration it had to go in to the phrase of the reform of the shareholding restructuring. In order to change the absence of owner we should reform the state-owned bank to shareholding financial corporate. Third, regard the bank,s corporate governance as the core of the bank reform,we should settle risk management system and inviting the investment people. Finally, in the certain opportune moment, the state-owned bank can choose to list on market become the public company to further perfect their management.
Keywords/Search Tags:State-owned commercial bank, property rights, corporate governance, public listing
PDF Full Text Request
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