论中国国有商业银行制度改革-政治经济学专业论文.docxVIP

ABSTRACTUnder ABSTRACT Under the wave ofworld economic integration and financial deregulation，Chinas banking sectors quickens its step opening to the outside world and faces keen international competition,especially after China’S successful entry into WTO．Being the main part of Chinas finance，state-owned commercial banks’assets occupies more than 70 percents ofthe general，which competition ability determines the whole directly．As to the present situation,there are still much more difference in corporate governance，operational institution，capital adequacy and assets quality comparing state-owned commercial banks with major international banks．So we should quicken the step of the institutional reform ofthe state—owned commercial banks and set up modem-commercial banks’system that satisfies the demands for the development of market economy,reform and openmg．Improving competition ability,averting and controlling the financial risks effectively have practical and profound significance． The institutional reform of state-owned commercial bRnks should start from transparent financial strBetllre ofproperty rights，promote stcck-systera reform of state—owned commercial banks and fmally become to be share-holding commercial banks which is in the charge ofthe state and has various property body．As well as we should promote the state-owned commercial banks satisfying the essential requirements to go public．According to the current basic principles，state-owned commercial banks should establish modem·commercial banks’corporate governance combining、衍tll OtUspecific national conditions．It can reduce the possibility of principal-agent problem caused by the separation ofproprietary rights and administrative power．Furthermore state-owned commercial banks should research the work ofmulti-operation business，try to open up new business，promote the innovation in financial products，make ftlr山er improvement on the establishment ofinternal control system and strengthen the ability to avert ris