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The Transition Process Of Chinese Commercial Banks And Behavior Analysis

Posted on:2006-09-05Degree:MasterType:Thesis
Country:ChinaCandidate:K J DanFull Text:PDF
GTID:2206360155969346Subject:Finance
Abstract/Summary:PDF Full Text Request
The state -owned commercial banks are considered as the marketable enterprise, which must comply to the market rule and reasonably arrange the method, aim, quantity of credit in the process of their management .At the same time, they must dissolve every kinds of financial risk and strengthen interior management, and finally realize the maximal profit. But because the specialty of transitional economy in my country, the state-owned commercial banks are under the influence of every kind of factor and undertake multiple functions, and its operating behavior deviates the principle that the state-owned bank should stick to.The transition of our country has extensive meaning, including dual transition of the economic system and economic development .So it not only completes the change of the market operating mechanist from planned mechanism to market mechanism but also realizes the transition from developing country to developed country based on the socialism fundamental system. The state-owned commercial bank system is referred that it must submit to the need of national interest and provides the systematic guarantee in order to complete the political aims and economic targets of our country. Therefore, according to the define of the specialties of transitional economy and the analyses of the function and behavior character of the state -owned commercial bank system, this article is based on the view that I have explained and makes use of institutional economics, game theory and comparative economics. Finally it draws a conclusion that economy development strategy, decentralization between central government and local government and soft budget constrain were the main factors which leads to the deviation of the state-owned commercial bank operating behavior in the transitional course. On the background of these analyses I put forward some reformmeasures that correct the operating behavior of the state-owned commercial banks . These projects include the property right reform, the government structure reform, and the introduction of competition system. At the same time, we must process benefit relations between the central and the local and make the appropriate economic development strategy, Furthermore the state-owned commercial bank can manage according to the market rule, reasonable coordinate the function between its policy tool and economy organization, and effectively develop the role of financial medium in our economy.The chapter is arranged as follows:The first chapter is the analysis of the speciality of transitional economy. I analyse the character of transitional economy and explain the peculiarity of the economy transition, furthermore define the prior condition for anglicizing the operating behavior of the state-owned commercial bank.The second chapter .its main content includes the function of the state-owned commercial bank and the behavior character of the state-owned commercial bank. Trough the analysis of the function of the commercial bank system, I make a conclusion that the function of the state-owned commercial bank system derives of the commercial bank system. Next I also analyze the special function and the behavior character of the state-owned commercial bank.The third chapter. Its contents include the performance of the state-owned commercial bank operating behavior in the transition course. Then I concretely analyse the operating behavior of the state-owned commercial bank in the transitional course.The fourth chapter .1 mainly analyze the cause of the operating behavior of the state-owned commercial bank .it is the core part of this passage, in which I deep analyze the factors that the operating behavior of the state-owned commercial bank deviates from the operating rules. These factors include the economy developmentstrategy, decentralization between central government and local government and softbudget constrain.The fifth chapter .it includes the advice of improving the operating behavior of the state-owned commercial bank .1 put forward the reform programs and indicate the direction of the reform of the state-owned commercial bank in order to rectify the alienation of the operating behavior of the state-owned commercial bank.
Keywords/Search Tags:economy transition, the state-owned commercial bank, the operating behavior
PDF Full Text Request
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