摘要
我国四大国有商业银行资本金不足、不良资产比例高、缺乏内部控制机制和风险管理技术等问题越来越阻碍了其自身业务规模的扩张。与国内股份制商业银行及国际大银行都存在着较大差距。为了应对入世,也是为了自身的发展,四大国有商业银行必须走股份制改造和上市之路,建立真正意义上的现代金融企业,建立清晰的产权结构和完善的法人治理结构。同时,我们也不得不正视一些困难。
The extension of scale of the major four state-owned commercial banks had been hindered by their scarce capital, large proportional bad assets, lack of mechanisms of internal control and technologies of risk management. They lagged behind the commercial banks that had been restructured into stocks corporations and international big banks. In order to deal with the situations after we had taken part in the WTO, they must be reformed into stocks corporations and enter the market. Thus, we can set up real modern financial enterprises; establish dear structure of property rights and perfect structure of management by corporations. At the same time, we have to face some difficulties.
出处
《经济与管理》
2004年第8期58-60,共3页
Economy and Management
关键词
国有商业银行
股份制改造
上市
state-owned commercial banks
shareholding restructuring
listing
