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已有 196 次阅读 2011-07-30 09:29

l" is also necessary the problems faced. Because the restructuring of state-owned commercial bank reform listed is the ultimate goal of restructuring to perfect its market, property right structure and corporate governance structure, strengthening mechanism constraint, to establish a modern financial enterprise system, but has an iVibram Fivefingersmportant impetus listed and cannot solve the restructuring of state-owned commercial Banks in the development of the whole problem. At present, continue to promote bank assets structure of earnings, structure and organization structure adjustment and improvement of financial services and optimize the allocation of resources, improvfive fingerse internal control and asset risk management, strengthening financial innovation and enhance market competitiveness, improve transparency and implementation of international standard financial accounting standards and weaken the state-owned commercial bank's administrative color, cancel its administrative levels, cancel its managerfive fingers shoess administrative level and administrative treatment, reform the appointment, replace mechanism, and gradually trial-implement a more effective incentive and restraint mechanisms, and make it become governance structure perfect, good financial situation, running a sound mechanism, by Li management indexes have reached the internatiovibram five fingers classicnal banking medium to high level of modern commercial bank. Again, the state-owned commercial bank lacks competitive profit model, basically rely on deposit spreads. 1999 and 2001, the state-owned commercial bank's income relies heavily on the loan interest rates spread (69 percent) of. In 2000, workers, farmers, and built four svibram five fingers saletate-owned commercial bank's assets profit margins were 0.13%, 0.01%, 0.14%, 0.14%, meanwhile, citibank and HSBC 1.50% and 1.77% respectively. Visible, in order to foreign Banks to enter the domestic market after fierce competition situation, the state-owned commercial Banks need expand new banking and new financial products. Finvibram five fingers saleally, the state-owned commercial bank's productivity greatly lower than foreign bank, its more employees than foreign competitors, its business site though dotted, but inefficient, management loose. In the four state-owned commercial Banks such as bank of China with favorable practitioners is the world's largest commercial bank of vibramAmerica, citigroup and commercial bank of China 211 times more employees DKB bank of Japan's 28.06 times. But judging from the branches, number of commercial bank of China, agricultural bank of China, bank of China and China construction bank respectively is Japan DKB bank 99 times, 142 times, 34 times and 91 times. But citigroup'sVibram Five Fingers per capita deposits is five times the state-owned commercial Banks. China's banking reform has become the focus of world-renown, its resolve or not and progress is not only related to the future China's sustained economic growth, but also related to China, east Asia and even the world financial and economic stability. Despite thvibram five fingers bikilae h

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