A Research On Stock System Reform Of Government-owned Commercial Bank

As a main financial media institution,the four govemment-owned banks played a very important role in supporting economy and regulating the re-distribution of national income. But with the reform of econcmic system,,the governmeat-owned bank reform should be carried out. There are some difficulties in the bank reform : the government-owned bank is not and independent economic unit;there are so many interventions from government ; it lacks business decision-making power ; the government-owned bank has an over-loaded debt,ect. Therefore,the measures should be taken:to cope with the bad assets,to carry out the reform of stock system and to set up modem financial business system.The author regard it as of great importance to set an explicit goal for the stock-holding system restructuring of state owned commercial banks. To resolve their problem of capital inadequacy or to promote capital adequacy is superficial resolution, while the profound cause lies in the lack of modern-commercial bank system, which means to set up transparent financial structure of property rights and consummated corporate governance structure. The author also puts forward a plan on the schedule and optional scheme and consequence of the reform so as to actively prepare for as well as steadily promote the successful stock-system reform of state-owned commercial banks. In addition, the arrange ment of stock controlling right and equity structure as well as the risk-warding issues in the reform are also explored.