对国有商业银行进行股份制改革的初步设想

The Preliminary Assumption to the Joint-Stock System Reform of State-Commercial Banks

文章认为 ,我国国有商业银行改革的目标和目的应当是 :建立以法人持股或法人相互持股为主体、以分散的个人和机构投资者、专业投资基金持股为补充的多元化股权结构及相应的法人治理结构。其改革方式和步骤为 :(1 )设立国有银行控股公司 ;(2 )分别将四家国有商业银行改造成银行集团公司 ;(3)清产核资 ,继续剥离不良资产 ;(4)公开招募法人股 ;(5)视证券市场发展情况选择适当形式上市。

In the article,the author thinks that the aim of reform is to establish the multiply share right and the corresponding administrative structure.The multiply share right structure is basted on corporation holding or corporation cross holding supplemented by disperse in dividual and institution investors holding,professional invest funds holding. The reform methods and steps:1. Establish state bank holding company.2. Transform the four state-commercial banks into bank groups.3. Check and ratify assets,strip the non-performing assets.4. Riaise corporation share openly.5. List according to the development of security market