Therefore , the state - owned bank commercialized reform is a complicated system project which involves a variety of problems to solve , concerning every aspect of economic system , such as establishment of modern financial enterprise system in clearly - defined property right , risk administrative system of commercial banks etc . so it requires coordination and support from every field to facilitate the complementation among systems and lessening frictions 最后，提出了建立产权明晰的现代金融企业制度、商业银行的风险管理体系、各个方面的改革相配合等对策措施。以便利用各种制度之间的互补性、减少磨擦，使国有银行改革顺利达到预期的目的，适应金融全球化发展的需要。
It arises from differences between the timing of rate changes and the timing of cash flows ( repricing risk ) ; from changing rate relationships among yield curves that affect bank activities ( basis risk ) ; from changing rate relationships across the spectrum of maturities ( yield curve risk ) ; and from interest - rate - related options embedded in bank products ( option risk ) 从利率市场化的构成要件出发来分析,本部分主要包括三个方面: ( 1 )我国利率市场化进程。主要分析了我国尚未实现利率市场化的几个方面、在利率市场化改革进程中的主要事件以及对我国利率改革的重要意义。 ( 2 )银行改革是影响利率市场化主要因素。
In fact , the status of the bad claims is the token of the degree of claims protection in one country , where we can find the answer that why the state owned banks has so much bad claims and the capital of the state owned banks is serious lack 可见,国家希望结束国有商业银行不良债权不断累积的局面,推动国有银行改革的决心和花费的成本不可谓不大。其实,不良债权状况就是一国债权保护力度的外在表征,国有银行大量不良资产的积累和银行资本金的严重缺失都可以从债权保护不力上找到答案。
Putting forward the measure which is more applicable to the banking of our country , the result shows that government drives banks to m & a ; receives the macro - performance , but loses the micro - performance . the government conducting of the m & a performed by state - owned banks is necessary , but overall is invalid 说明,政府作为国有银行的出资者,尽管在国有银行改革过程中,对银行业的并购重组活动进行引导、干预是十分必要的,但过多的政府干预行为只能使得银行的经营活动更加无效。
The more than twenty years ’ reform in china represents that the reform of banks relatively falls behind the rural land reform and the state - owned enterprises reform . such a fact is related to the complexity of the banking industry , which decides that the methods applicable to the reform of other economic organizations probably are not applicable to that of state - owned commercial banks 从中国20多年的改革历程来看,与农村土地改革和国有企业改革相比,银行改革相对滞后,这与银行业的复杂性有关,由此决定了那些对其他经济组织有效的改革方法在应用于国有商业银行时,可能显得不很适用。
In the second section , i have explored the government ' s coun - termeasures : bank reformment and bank system restructuring , changing investment policy and improving investment environment , changing agricultural , industrial and trade policies , taking care of feeble crowd and establishing social ensuring system , etc . in the third section , i have discussed the phenomena of indonesia ' s economic recovery and analysed the causes why the economy recovered slowly : debt problem , political unrest , " 9 11 " affair ' s influence , etc . in the fourth section , i have forecasted indonesia ' s economic future and pointed out that ecomonic recovery was quickening , economic future would be full of danger 第二部分探讨了政府应对危机的政策举措：进行银行改革和银行体系重组；调整投资政策，改善投资环境；调整农业、工业、贸易等政策；保护弱势群体，建立社会安全网体系等。第三部分论述印尼经济逐步走出危机、走向复苏的微弱表现，分析了复苏缓慢的原因：债务问题、政局不稳、 “ 9 ? 11 ”事件的冲击等。第四部分展望印尼经济前景，指出印尼经济复苏势头上升，但发展前景充满风险。
The fifth part discusses , in detail , foreign stake acquisition of chinese banks , explaining the relationship between foreign stakes and chinese banking reform . ways to address the problems involved in the acquisition and warnings against haste and rash decisions are contained in the sixth part of this paper 第五部分是对外资银行入股中资银行的详细分析,阐述了外资入股与中资银行改革的关系,并统计了从开始至最近大部分的外资入股事例,提出入股程序中的三点关键问题。
Part 4 proposes the property rights as the breach of chinese bank system reform should take the thorough separation of the ultimate property rights and the legal personal property rights as the prerequisite and take the joint stock system as the ultimate form . due to the strains in chinese bank reform , the author views that , on the basis of the reports at the 16th national peoples " congress , the joint stock system reform with flexibility , emphasis and division ought to be conducted and state - owned capital ought to fade out of the domain of competitive commercial bank 对于股份制改革的具体路径，本文指出，鉴于我国迄今银行改革的困境，应以十六大报告为指导方针，以灵活的形式，分阶段、有重点地对银行系统进行股份制改革，促进股权的多元化、分散化和社会化，在银行业重组中以非公有制成分的发展激活体制内产权变革，除政策性金融领域外，国有资本渐次从竟争性的商业银行领域淡出。
The twenty years " bank reform achieves a lot , but it still do not get out of the situation of low efficiency and high risk . the source of the problem is that the state monopolizes the whole property right of the state owned banks . so the diversified property right is the solution to the problem 20年的银行改革，虽然取得了很大成就，但始终没有摆脱低效率和高风险胶着并存的两难境地，国有银行问题的根源在于国家垄断了国有银行的全部产权，所以，产权多元化才能从根本上解决国有银行面临的问题。
These days , releasing the control of interest , developing private banks and resolving the problem of smes " financing have been brought into the agenda of banking reform , so researching the bank - firm relationship and offering theoretical guidance for the reform has become an important task for us researchers 近年来，随着放松利率管制、发展民营银行、解决中小企业融资难等问题逐一提上银行改革的议事日程，经济学界对银行和企业关系进行研究，为改革实践提供理论指导任务紧迫。
