Henan Industrial And Commercial Bank Of China Reform And Development Problems And Countermeasures

As a result of the planned economy system long-term influence and the our country banking industry's special nature, our country commercial bank reforms the obvious lag to the overall economic restructuring. The prominent performance the question which for the state-owned commercial bank original and associated aspect and so on property right system and management exists, causes the investment person offside and the vacancy coexists, the stockholder's rights structure unreasonable, the legal person governs the standard, the capital sufficient rate low, not good does not loan the ratio to be higher, the dull account reserve fund serious insufficiency, the operation efficiency low inferior question, seriously affects and is restricting their steady development. Specially joins after WTO in our country, is further open along with the finance industry and international competition intensifying, state-owned commercial bank faced with unprecedented huge challenge.Facing is in government difficult position China to have the commercial bank efficiency low phenomenon, as well as the domestic and foreign fierce competitions, the state-owned commercial bank's reform gradually mentioned the agenda 2004 beginnings of the year, the State Council decided carries on the joint stock system transformation to the state-owned commercial bank, and designated the Chinese construction bank and the Bank of China took the state-owned commercial bank reforms the experiment site, two experiment sites banks reorganize one after another for the limited liability company, according to the establishment modern finance enterprise system request, established the modern company to govern the structure the bare bone, And defers to the modern company to govern the structure standard establishment the general meeting of shareholders, the board of directors and its the special committee, the board of supervisors and the new management level started according to the corresponding rules and regulations normally to operate. The Chinese industry and commerce bank and the Agriculture Bank of China also is consummating the management mechanism, enlarges internal reform, the consummation risk control and the enhancement profit water equal aspect makes very greatly diligently, has further laid the foundation for the joint stock system reform, has created the condition.This article by the Chinese industry and commerce bank Henan Province branch took the research object, unifies Henan Province the actual situation, the contrast domestic joint stock system bank and the foreign capital bank, the research changes the system the new question which the later China industry and commerce bank Henan Province branch will possibly face, and proposed further will improve the operation quality the countermeasure. When analyzes the Henan industry and commerce bank the reform and the development present situation altogether divides four levels in, the first level introduction recent years the Henan industry and commerce bank service operation characteristic, with emphasis manifested in is prominent controls, aspect and so on risk monitoring, structure adjustment. Proposed in the first level foundation that, has analyzed since in turn 2000 this line of reforms and the development present situation, the management profit fast growth, the property quality obvious change for the better, the management pattern and the...