Research On The Public Service Function Of State-owned Commercial Banks

With the continuous development of modern society,the public service function and management concept of state-owned commercial Banks are constantly changing.In China,state-owned commercial Banks have special social status and nature.In reality under the fierce market competition,the state-owned commercial bank is often in a dilemma: on the one hand,as already share reform successful listings,in pursuit of profit maximization as the goal,need responsible to the shareholders' interests;On the other hand,state-owned financial enterprises,which are controlled by the state,need to take more responsibility for public service.It is of great significance to study the four core functions of public service of state-owned commercial Banks for the construction of state-owned commercial Banks with high-level public service functions.With the development of the society,the original state-owned commercial Banks credit intermediary function,pay intermediary function,credit creation and financial service functions in the four basic functions gradually out of the public service function more detailed content,including social responsibility,economic adjustment,financing support,economic service four aspects.By extracting the state-owned commercial Banks,the public service function of the core concepts and basic theory,around shenyang state-owned commercial bank credit intermediary function,pay intermediary function,credit creation function and financial service functions such as investigation and study,inductive analysis of shenyang state-owned commercial Banks is the social responsibility consciousness is not strong,banking supervision system and the service is not perfect,small and medium-sized enterprises and the rural economy "financing support dynamics is insufficient,main problems such as lack of innovative public service mode.Cause lies in the bondage of state-owned commercial Banks by the thought of a single economic functions,management system and public service requirements do not match,service for small and medium-sized enterprises and the rural economy " power is insufficient,the restriction of planned economy management system,etc.For these reasons,it is suggested that from the social responsibility consciousness,set up the mechanism of banking supervision and public service appraisal system,optimize the allocation of resources,changing the concept of credit,strengthen the public service innovation mode and other aspects of improving the level of state-owned commercial Banks to perform public service function.