Comparative Study Of Joint-stock Reform Of The Four State-owned Commercial Banks Competitiveness

Thirty years of reform and opening up, have make a spurt of progress in thedevelopment of China’s economy, especially in the financial sector,since China enteredWTO, domestic financial markets deepening reform, realizes gradually to the market thefull liberalization of foreign banks. We can see that the financial industry, marketcompetition is increasing, this also indicates that China’s if not stepped up thepace of state-owned bank share holding reform, China’s banking capital is not full,the modern commercial bank system is not perfect, resulting in the domestic andinternational banking competition to occupy a space for one person.Therefore, from thebeginning of2003, our country began to carry out shareholding system reform ofstate-owned banks, to the internal controlsystem, service, benefit level, capital adequacyratio and operation safety of the international competitiveness of commercialbanks reached world-class, try to enterprises in the structure of this piece of implementand improve management, the ultimate goal of the reform is to make the financial thefield of more modern competitive overall. Focus on the reform of corporate governancestructure, establish modern enterprise system as the financial sector reform goals andobjectives. Especially in theimplementation of state-owned joint-stock reform ofbanks, on the one handto promote the growth of commercial banks in the financial totalamount, on the other hand intensified the domestic banking industry in the marketcompetition pattern of competition.This article mainly include four parts. The first part mainly elaborates thedevelopment course of the reform of China’s banking and financial reformsystem, including the joint-stock reform of purpose and meaning; the second partmainly elaborated our country banking contrast the difference between before and afterthe shareholding system reform, including the change of management system of thesupervision and the shareholding system reform, the change of the real marketcompetition system before and after the reform company,competition, diversification ofmarket demand, the development of the stock banking industry of the intermediatebusiness system, changes incompetitiveness index market before and after the changeof management mode and the management before and after the joint-stock reform of joint-stock reform; the third part is the key and the key of the full text, mainly forthefour major state-owned banks in detail, including how to establish index system howto collect data, and by changing how data to analyze the competitiveness of the sizeof the banking market. The fourth part is based on the first three chapterconclusionturely, proposed for the analysis of the problem of countermeasures and suggestions.