The Inspiration Of Japanese Main Banking System's Decline To The Relationship Between Chinese Banks And Enterprises

Main bank system is not only an external financing system but also an interrelated net among the enterprise, the main hank and the government,with the key being the relation between the main bank and the enterprise. Along with the changes in Japan's financial system, the main bank system over 50 years experienced a fall from the general course of development. In a restrictive monetary system, it has to conform to the changes in the external environment and internal been developing rapidly .Generally speaking,the main bank system has evolved a special model of its own. In brief, it had a closed and steady circumstances under financial restrain .As well it also had two internal important aspects :one was that the main bank monitored the enterprise on behalf of other creditors,and formed particular model of contingent governance; the other was that the main bank played a significant role when the enterprise was in financial distress.At present ,the developed countries on the current model can be broadly categorized into models to represent Britain and the United States, Japan, Germany, and the loose representatives of the two types of patterns closely. In a loose-model, the bank-enterprise ownership among weaker constraints, Relationship between Bank mainly rely on the maintenance of law and strictly regulate the contractual relationship, a type of close relationship between the bank-enterprise, Property constraints strong bank lending contracts, equity ownership Acting personnel involved in the stock and voting rights and other ways and means to exert influence on the operation and development of enterprises. Through these two types of bank-enterprise relationship in Japan, Germany, the United Kingdom and the United States for the concrete implementation. Relationship between Bank and close to the Bank in a loose relationship between the analysis and comparison, the status of China's economic development. Bank and the renewal of our ideas for the analysis. In 1996 ,China formally set about to spread the main bank system with in300 state-owned enterprises. However, many problems has emerged in the course of its 11 years' practice. However, the economic development of any country is not the problem. Therefore, we need to learn from the Japanese banking system in the process of the implementation of the main lessons of market-based, Bank and the establishment and development of relations with China's characteristics, thus contributing to the deepening of China's financial reform.