A Comparative Study On The System Of Commercial Banks In China And Vietnam

In the financial globalization environment, the commercial banks to provide financial support for economic development, to win the market, it is necessary to establish a scientific system. The management system of advanced commercial banks, will enable the bank into the fast development mode, to enhance the profitability of commercial banks and the ability to resist risk.Vietnam commercial banking system reform and modernization began to Vietnam's economic reform, the current situation, Commercial Bank of Vietnam although property right system, risk control, internal management system have been established, but development bank, these systems do not complete and need to further system optimization. The reform of the system of bank is Very critical, so extremely cautious and difficult. If there is some commercial bank management system reform, will have a multiplier effect.Chinese and Vietnam adjacent, with similar cultural environment and the same social system, and the two countries are developing countries, also have taken a gradual reform pattern. Therefore, the experience of the reform Chinese four big state-owned commercial banks will bring more extensive reference to the reform of the financial system in vietnam.The point of this article is to first summarize between the banking system for the development of the situation; then carries on the contrast analysis to the Sino Vietnamese commercial bank's operation status, find out the Sino Vietnamese commercial banks operational capability gap; and on this basis, our commercial bank system carries on the contrast analysis and analysis Vietnam commercial bank system deficiencies, and explore the experience and lessons of the reform of China's banking industry. And combine the two financial reforms, growth of economic development and the actual situation of, in order to to these lessons effective to guide the reform of commercial bank system of Vietnam, and set up with Vietnam's national conditions of the commercial banking system.This paper after analysis the Vietnam commercial banks reform process, China and Vietnam commercial banks currently operating status and found Vietnam commercial banks overall operating capacity is still not as good as China is experiencing encountered in the process of China's reform. After the comparative analysis of the system of commercial banks in China and Vietnam, the system of commercial banks in Vietnam is found to have shortcomings. Therefore, after summarizing and analyzing the experience of the reform of China's commercial banks, it gives the suggestions on the reform of the system of commercial banks in Vietnam.