State-owned Commercial Banks Are Open For Research, And Financial Security

After joining into the WTO, China will quicken the opening step of banking industry to improve her financial efficiency. At the same time, the financial risk of the four mainstate-owned trade banks(below called four main banks)will be more obvious and complicate, possibly taking into release in the form of crisis. While in regard to the core stance of the four main banks in Chinese banking industry, once the crisis occurs, the crisis of the whole banking industry would be trigger off, directly threatening Chinese financial safety. Therefore, four main banks' opening to the outside world makes Chinese financial face more test and threaten. On the one hand the exterior atmosphere that four great banks open is not good, making financial risk in four greatest banks worse, threatening the financial safety.The probability of the current world financial crisis occurrence enlarges, while Chinese macro economy shows difference from that in the breakout of Asia financial crisis, thus world financial crisis strengthening its infection to China. At the same time the domestic financial risk swells and may transfer to the four great banks to intensify their the brittleness. Under such background pushing four great banks' opening will make financial safety face the larger challenge.On the other hand the opening of four great banks will turn the brittleness of the bank worse, causing the payment crisis of four great bank,threatening financial safety.The littleness of four great banks lies in such three aspects as high ratio of bad asset, low amplitude of funds and low profit. The foreign capital bank rivals turn the settle of these problems more difficult and urgent. The primary cause of these problems is system at the same time, so it is impossible to settle the problem in short term. Depositor will change their anticipation in the quickening open step of four great banks, thus makinga run on four great banks from but kindle the settle crisis of four greatest banks and the banking crisis, and injure the Chinese finance the safety. Thereupon to maintain Chinese financial safety must keep away from and dissolve the financial risk of four great banks. So it is necessary to push the systemreform of four greatest banks as soon as possible, to enhance the bank's self - discipline and the market's competition, to consolidate the exterior supervision and develop international financial cooperation...