Study On Government Supervising And Managing In The Joint Stock System Reform Of The State-owned Commercial Bank

Based on the important status of the state-owned bank in the our country finance system and the vital role in our country advancing gradually -like economy reform, in the financial reform we have had, the state-owned bank reform is the point which our state finance reform is unable to avoid. Nowadays the Bank of China and the Chinese construction bank have obtained the tangible result in the joint stock system reform, but the entire process still was "traces the stone to cross river". Speaking of the state-owned commercial bank, " The opportunity and the challenge coexists ". Only in the defeating challenge process, seeking the new development opportunity and unceasingly self-surmounting, is the self-portrait of the state-owned commercial bank which is carrying on the joint stock system reform. The reform of the state-owned commercial bank must be advantageous to develops and expands itself, should aim at its question and insufficient to carry on the reform, cannot copy mechanically and apply slavishly some kind of pattern, otherwise can weaken or harm the state-owned commercial bank, even can create the new economy and the social problems.Facing the stern international finance situation, how does the government adapt the methods to supervise and manage the state-owned commercial bank and unceasingly enhance the efficiency of it, perfecting the interior company of the state-owned commercial bank and remaining the dominant position in the introduction foreign capital process, has become the urgent matter in promoting state-owned commercial bank joint stock system reform.Therefore, this article from the angle of the government supervising and managing the state-owned commercial bank joint stock system reform, analyses how government should play the role to form the benignity interaction mechanism between supervisors and by-supervisors, thus effectively guards against and melts the risk, maintains the state-owned commercial bank joint stock system reform to carry on smoothly. This article emphatically analyses the necessity and the feasibility of the supervising and managing to the state-owned commercial bank, and aiming at the problems, proposes the corresponding countermeasures. This article altogether is divided four parts.The introduction mainly tells the special supervising and managing necessity to the state-owned commercial bank joint stock system reform, as well as the domestic and foreign research situation. Briefly elaborates the topic significance, the research mentality and the innovation points.The first part mainly elaborates the elementary theory about the state-owned commercial bank joint stock system reform supervising and managing. Clear speaking, take a kind of government regulation behavior having the specific connotation and the characteristic, the financial supervising and managing essentially constitutes an independent level in the modernization financial system structure .The financial supervising and managing theory is the financial supervising and managing practice forerunner, only in the thorough discussion finance supervising and managing theory foundation can formulate the effective financial supervising and managing methods, and obtains the good effect in the financial supervising and managing practice. Because of the special status of the state-owned commercial bank, the state-owned commercial bank supervisors, the by-supervisors, the content and the way are different form general commercial bank. It analyzes the government supervising and managing pattern international comparison and the choice of the state-owned commercial bank in the joint stock system reform process.The second part mainly analyses the present situation and the existence problems of the state-owned commercial bank joint stock reform supervising and managing. Although the state-owned commercial bank has made the tremendous contribution in the Chinese economy and in the financial reform and the development, as a result of the historical and the system reasons, the state-owned commercial bank continuously to be the monopoly position in the Chinese banking industry, has had the property quality lowly in a long term, not-good loan rate is higher, not-good property formation and the accumulation root have not eliminated; The capital serious insufficient, the dull account reserve fund lack is bigger; The government structure is not perfect, agencies are extremely fat, the branch office level is too much, the conduction efficiency is low and so on.The third part mainly proposes how to strengthen and improve state-owned commercial bank joint stock system reform government supervising and managing. Since the state-owned commercial bank sells the stockholder' s rights in the joint stock system reform, has caused the argument which Chinese banking industry whether sell cheap or not. Then after the foreign capital entering, our country supervising authority must perfect the finance supervising and managing legislation, strengthen the supervisors self-construction, improve the supervising and managing ways to standard its behavior, maintains the dominant position of the state-owned bank.The innovation of this article is, selecting state-owned commercial bank as the subject, conducting the economic and the management basic theory, expounding the difference with the general commercial bank, thus proving the necessity that constructing the supervising and managing system different with the general commercial bank. This article throughout revolves the master line of nowadays state-owned commercial bank joint stock system to conduct, has the stronger practical significance. The article argument completely establishes in the present financial macroeconomic control policy and the supervising and managing system, using the economical and the legal method study the reform that carries on the Chinese state-owned commercial bank, to strengthen the fundamental research usability.