论国有商业银行股份制改造

【作者】 朱涛；

【导师】 杨积勇；

【作者基本信息】 安徽大学 ， 政治经济学， 2005， 硕士

【摘要】 本世纪初是我国经济结构进行战略调整、国民经济实现大跨越的关键时期,国有商业银行落后的管理体制和服务水平已完全不能适应市场经济发展的要求,银行资源配置效率低下以及蕴藏的巨大风险已成为国民经济持续快速发展的“软肋”和“瓶颈”。我国已正式加入世贸组织,到2006年底将全面开放银行业,届时国有商业银行将与外资银行特别是率先进入中国市场的国际先进银行在对等的基础上展开竞争。国有商业银行现有的经营状况和改革思路将受到更加严峻的冲击和挑战。对国有商业银行进行股份制改造,建立起现代商业银行制度,是国有商业银行改革的主要方向之一。当前,我国国有商业银行正处于一个重要的改革发展时期。中国银行、建设银行股份制改革已经取得显著成绩,中国工商银行、中国农业银行改革也在积极准备之中。股份制改造是解决当前四大国有商业银行因产权界定不清晰,公司治理结构不完善造成的资产质量差、资本充足率低、风险管理薄弱、核心竞争力不强等不利局面的现实出路,从长远看有利于提高国有商业银行管理能力、经营水平和服务质量,从根本上提高国有商业银行的竞争力。更多还原

【Abstract】 The beginning of this century is the critical period of the strategic adjustment of the economic structure of our country and the realization of the grand development of the national economy. The outdated managing system and service level of state commercial banks is absolutely inadaptable of the development of market economy; meanwhile the low efficiency of bank resource collocation and the great latent venture has become the costal region and bottleneck of the quick persistent development of national economy. Our country has been a formal member of WTO, and by the end of 2006 banking will be in all-round opening to the outside, when, on the equal basis, there will be competition between state commercial banks and foreign banks , especially the advanced international banks first entering the Chinese market. The current managing conditions and reforming thinking of state commercial banks will face more severe impact and challenges. Establishing modern commercial bank system by reforming the joint-stock system is one of the main orientations of reforming state commercial banks. Presently, our state commercial banks are in the critical period. Bank of China and China Construction Bank have made outstanding achievement in the joint-stock system reforming, while Industrial and Commercial Bank of China and Agricultural Bank of China are in their active preparation for the reform. Joint-stock system reform is the realistic way out for the four state commercial banks to solve such problems as low capital quality, low rate of capital abundance, weak venture management, weak central competitive potentiality brought about by ambiguity of the property right and the faultiness in the management structure of the company. In the long term, it can improve the controlling ability, management level and service quality of state commercial banks and promote its competitive potentiality.更多还原