国有商业银行体制问题及其改革的思考

中国四大国有商业银行的体制已不适应市场经济发展的要求 ,问题主要表现为 :产权主体单一 ;行政化管理 ;一级法人制度等。核心问题就在于单一国有的产权制度。唯一的出路是实行股份制改革。具体设想是将国有商业银行改造成集团公司 ,形成多级法人、逐级控股的经营体系。鉴于中国商业银行规模结构不合理 ,大型银行机构过多 ,小型银行缺乏 ,已制约了中小企业的发展 ,改革应将国有大型银行拟退出市场的机构改造为地方小型银行 ,实现商业银行规模结构的优化

The Problem of Commercial Bank System and the Idea of Its Reform

The system of China four large commercial banks hasn't adapted the request of the market economic development such as a unitary system of property right ,administrative management,a unitary system of juristic person ,above all the single national property right system is the main problem.The only way is that we must carry out the reform of the stock owership. Supposing ,we can change our national commercial banks into bloc company ,forming multiple juristic person and the management of which can control stocks by degree.Because of the unreasonable organizational structure of China commercial banks ,there are too many big banks while there are lack of small ones ,thus making the development of middle-sized banks restricted.Some national big sized banks that will be cancelled should change into local small-sized ones in order to realize the optimism of the structure of the commerical banks.