国有商业银行股改中国际战略投资者选择问题的

国有商业银行股改中国际战略投资者选择问题的研究

摘  要：脆弱的银行体系长期以来是困扰中国经济的1大隐患，成为了对中国客观经济金融稳定以及长远经济增长的最大潜在威胁。但是近年来，中国政府在银行改革领域大刀阔斧，采取了1系列果决行动，取得了很大成就。
通过中央政府动用外国储备及其他资源为重点商业银行注入资本金和剥离不良资产，3大国有独资商业银行——中国银行、建设银行和工商银行，以及最大的股份制商业银行——交通银行，都完成了大规模财务重组。目前这几家银行1级资本充足率均达到或超过8%，不良贷款率大幅度下降至5%以下，不良贷款拨备覆盖率提升至50%以上。关键财务指标的改善，为这些银行的内部机制改革，引进国际知名的战略投资者，和在国际资本市场上市创造了有利条件。交行，建行的成功上市，为这些银行真正蜕变为稳健、高效率的有国际竞争力的金融机构提供了条件，大大增加了中国公众和国际战略投资者对中国银行体系的信心。国有商业银行股改中国际战略投资问题成为了关注的焦点。本文围绕国有银行股改中引进国际战略投资者的必要性，国际战略投资者的选择标准以及国有商业银行战略投资者选择的未来之路等问题进行讨论。
关键词：股改；国际战略投资；海外上市；不良贷款拨备

The State-owned Commercial Bank Stock Changes The International Strategic Investors Choice Question Research
 
Abstract：The frail bank system is since long ago puzzles the Chinese economy a big hidden danger, became has been stable the most greatly latent threat to the Chinese objective economical finance which as well as the long term economy grew. But the recent years, the Chinese government was resolute in the bank reform domain, has taken a series of resolute actions, has obtained the very great achievement. （科教论文网 lw.NsEac.com编辑整理）
Uses the foreign reserve and other resources through the central authorities pours into the capital in cash for the key commercial bank and strips not the good property, three big state-owned sole ownership commercial bank - Bank of China, the construction bank and the industry and commerce bank, as well as the biggest joint stock system commercial bank - Communications Bank, has all completed the large-scale financial reorganization. At present these banks level of Capitalization rate  achieved or surpasses 8%, not the good loan rate large scale drop to 5% below, not good loans the preparation coverage fraction promotion to 50% above. The essential financial norm improvement, for these banks internal mechanism reforms, the introduction international well-known strategy investor, with went on the market in the international capital market has Created the advantage.
The bank of communications, the construction bank success goes on the market, transformed truly for these banks for is steady, the high efficiency has the international competitive power the financial organ to provide the condition, increased the Chinese public and the international strategic investor greatly to the Bank of China system confidence.
The state-owned commercial bank stock changed the international strategic investment question to become the attention focal point.
This article revolves the state-owned bank stock to change, the international strategic investors choice standard, the international strategic investment to the Chinese finance security influence, as well as the introduction international investment to the state-owned bank key question is any and so on the question carries on the discussion.
Keywords: The stock changes; International strategic investment; The overseas go on the market; Not good loans the preparation
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