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我国国有商业银行目前面临着不少严重的问题,这些问题的存在与国有商业银行的制度落后有关。表明国有商业银行进行制度创新已迫在眉睫。但是,国有商业银行的制度创新又离不开产权市场建设。一是国有商业银行不良债权的处置需要通过产权市场进行;二是国有商业银行股权结构的调整需要通过产权市场进行;三是国有商业银行经营模式的转换需要通过产权市场进行。虽然我国产权市场近年来发展很快,但也存在一些问题,表现在定位不准、市场主体行为不规范、体制不畅、立法滞后等,需要对产权市场进行合理定位,规范市场主体行为,理顺管理体制,扩大交易品种、增设专业产权市场比如金融产权市场,完善法律法规体系,加强宏观监管、防范金融风险。
China’s state-owned commercial banks are currently facing many serious problems, and the existence of these problems is related to the backwardness of the state-owned commercial banks. It shows that it is imminent to carry out institutional innovation in state-owned commercial banks. However, the institutional innovation of state-owned commercial banks is inseparable from the construction of property markets. First, the disposal of distressed debts of state-owned commercial banks needs to be carried out through the property rights market. Second, the adjustment of the ownership structure of state-owned commercial banks needs to be carried out through the property rights market. Third, the conversion of the business models of state-owned commercial banks needs to be conducted through the property rights market. Although China’s property market has developed rapidly in recent years, there are still some problems, such as the inaccurate positioning, the non-standard market behavior, the sluggish system and the lag of legislation, which require a reasonable positioning of the property market, standardize the behavior of market players, Shun management system, expanding trading varieties, additional professional property markets such as financial property rights market, improve laws and regulations, strengthen macro-control, to prevent financial risks.