论文部分内容阅读
关于国有4大商业银行改革的争论由来已久,对于是否要对它们进行股份制改造,以及是否上市,是在国内还是国外上市,等等,一直有许多不同的意见。之所以要对国有商业银行进行改造,是因为它们在经营方面存在问题,主要的表现是呆坏账数量大,不良资产比例高,经营效益低,竞争能力差。分析其产生的原因,无非是内部和外部两个方面:内部原因表现在管理不规范,对贷款项目的审核水平低,缺乏严格的约束机制,人浮于事和不负责任现象严重,
The debate on the reform of the four state-owned commercial banks has been taking place for a long time. There have been many different opinions on whether to reform their shareholdings or whether they should be listed or listed at home or abroad. The reason why the state-owned commercial banks need to be transformed is that they have problems in their operations. The main performance is the large amount of bad debts, the high proportion of non-performing assets, the low operating efficiency and the poor competitiveness. Analysis of its causes, is nothing more than internal and external aspects: the internal causes of performance in the management of non-standard, low level of the audit of the loan project, the lack of strict restraint mechanisms, people floating around and irresponsible serious,