The Reform Of Commercial Banks In The Process Of History

Since China's reform and opening,Chinese social productivity develop rapidly.Base on this background,the reform of China's financial system also appears more urgent,commercial Banks in the financial system of our country also occupies the leading position.But now,due to some historical problems,China's commercial banking system also has many shortcomings.This is reflected in the unreasonable insititutional environment and the un coordinated external conditions,which leads to the inefficiency of the marketization reform od commercial banks.The fundamental solution to address these problems,we should start with the past practice to meet the development of China's commercial Banks,and solved the problem which in the process of development,at the same timeto find the root causes of these problems.From the perspective of the reform process of commercial Banks,reform development course of China's commercial Banks into commercial bank system establishment stage,commercial bank system development stage,the commercial bank system transformation phase of three phases.The commercial bank system establishment stage mainly experienced commercial bank system reconstruction stage,the commercial Banks to expand development stage.Commercial bank system development mainly experienced the state-owned Banks' policy burdens,property rights and ownership system reform.Commercial bank system transformation period mainly experienced business innovation of commercial bank,the rapid development of city commercial Banks and village Banks,interest rate marketization to further promote the marketization of commercial Banks.After reviewing the course of China's commercial Banks' reform and opening,the paper analyzed the our country commercial bank achievements in recent decades.Then,deeply analyzed the main problems of commercial banks at the present,which are the policy burden,the inefficiency marketization commercial Banks,andthe incomplete internal shareholding system reform.Base on those issues,this paper puts forward the measures and suggestions for the further reform of China's commercial banks form the aspects of market function,policy function and internal equity systerm of commercial banks.First of all,it should ease policy pressure on commercial banks that arerefuce the policy burden on smaller commercial banks,reform the administrative management system of commercial banks with more problems,and gradually removr policy business from the large state-owened commercial banks.Secondly,further promote market-oriented reform of commercial bank andcommercial bank internationalization strategy,continue to optimize the industry structure,thorough reform and transition recommended,further develop and standardize the market,improve the efficiency of the operation and management.Finally,we will further promote the reform of joint-stock commercial Banks,the introduction of diversification of investors,the rational allocation of ownership structure,establish the corporate governance structure and improve the corporate governance mechanism.