论国有商业银行股份制改造-政治经济学专业论文.docxVIP

论文摘要本世纪初是我国经济结构进行战略调整、国民经济实现大跨越的关键时期， 论文摘要 本世纪初是我国经济结构进行战略调整、国民经济实现大跨越的关键时期， 国有商业银行落后的管理体制和服务水平已完全不能适应市场经济发展的要求， 银行资源配置效率低下以及蕴藏的巨大风险己成为国民经济持续快速发展的。软 肋”和“瓶颈”。我国已正式加入世贸组织，到2006年底将全面开放银行业，届 时国有商业银行将与外资银行特别是率先进入中国市场的国际先进银行在对等的 基础上展开竞争。国有商业银行现有的经营状况和改革思路将受到更加严峻的冲 击和挑战。对国有商业银行迸行股份制改造，建立起现代商业银行制度，是国有 商业银行改革的主要方向之一。当前，我国国有商业银行正处于一个重要的改革 发展时期。中国银行、建设银行股份制改革已经取得显著成绩，中国工商银行、 中国农业银行改革也在积极准备之中。股份制改造是解决当前四大国有商业银行 因产权界定不清晰，公司治理结构不完善造成的资产质量差、资本充足率低、风 险管理薄弱、核心竞争力不强等不利局面的现实出路，从长远看有利于提高国有 商业银行管理能力、经营水平和服务质量，从根本上提高国有商业银行的竞争力。 关键词：国有商业银行，股份制，产权制度，公司治理结构 AbstractThe Abstract The beginning of this century is the critical period of thc stratcgic adjustment of the economic structure of country and the realization of the grand deVelOpment of the national economy．The ou“Jated managing system and sen，ice leVel of state commerciaI hanl‘s is absoIutely inadaptable of the d“elopment of market economy；meanwhile the Iow efnciency of bank co¨ocation and the great Iatent Vcnture has becOme the costaI region and bottIencck of the quick persistent deVelopment of na“onal economy．our country has been formal member of WT‘)，and by the e玎d of 2006 baⅡking will be in aIl—round opening to the outside， when， the equal basis， there wi¨ be compet“ion between state cOmmercial banks and foreign banks，especialIy thc advanced international banks first entering the Chinese market．The current managi“g conditions and rcforming thinking of state commercial banks wm face more impact and chaIlenges． Establishing modern commercial bank system by reformjng the joint-stock system is one of the main orientations of reforming state commercial banks．Presently’our state commercial banks in the critical Deriod．Bank of China and Ch；na Construction Bank haVe made outstanding achievement in the jojnt—stock system reformin昏while Industrial and Commercial Bank 0f China aⅡd AgricuItural Bank of China in their active preparation for the reform．Joint—stock system reform is the reaIistic way out for thc four state commercial banks to solv