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1、 The asset of Chinese city commercial bank recombines mode choice Summary: Commercial bank of our country city is living at the crucial phase with development, asset recombines the core content that is reform of commercial bank of our country city, also be to search exterior and open as crucial as w
2、hat nod evenly between in-house reform. Set out from the characteristic of badge merchant bank, undertake to commercial bank of our country city the current situation is analysed, the program that offers bank of our country city to walk out of predicament - asset recombines. With badge merchant bank
3、 successful capital fund recombines for case, analyse its process, the right choice that recombines mode for asset of other city commercial bank thereby is offerred draw lessons from action. Key word: Urban commercial bank; Badge merchant bank; Asset recombines; Since reforming and opening, environm
4、ent of macroscopical economy banking produced great and profound change, especially this century begins, the progressively development that opens to the outside world as our country money market and comprehensive, urban commercial bank faces grimmer challenge. Commercial bank of our country city pas
5、ses go through the mill of 10 years of harships, although established market calcaneal, but face join World Trade Organization and big bank the competitive pressure after changing, walked along seek to develop the fork in a road of new way again. At this moment asset recombines, enlarge asset dimens
6、ions, augment capital gold is in current, to commercial firm of our country city live to appear with development particularly important. The bank of merchant of badge of the Anhui province that runs at holding water formally on January 1 this year recombines through asset namely build, the mode that
7、 its asset recombines is having to commercial firm of our country other city very important draw lessons from and consult meaning. The financial environment that bank of 1 badge merchant establishsThe Anhui province 6 cities commercial bank (commercial bank of these 6 cities is commercial bank of ci
8、ty of north of port of hill of lake of Hefei, overgrown with weeds, saddle, mussel, Anqing, the Huaihe River respectively) requirement asset recombines, basically have the reason of two respects: Change of macroscopical banking environment and oneself expand difficult position. 1. The challenge that
9、 change of environment of 1 macroscopical banking bringsLook from international environment: Since our country implemented policy of reforming and opening 1978, economic progress gains the success with accepted all over the world. On the arena of world economy, our country had come true to arrive fr
10、om costar the changeover of leading role. As the core of modern economy, chinese finance makes the most active window in economic progress below open setting, and with be closely bound up of international banking system. To development of industry of banking of prospective our country, reform and be
11、 being opened is two its ongoing wheel. On one hand, WTO accelerated industry of our country banking open to the outside world with development: Of banking open to the outside world in active and reliable in undertake in order; Of negotiable securities course of study open to the outside world to be
12、 perfected with market system interweave together; And of insurance open to the outside world a the latercomers surpass the formers, posture is driving, develop infuse for our country money market tremendous energy. On the other hand, chinese banking industry is in open to the outside world in the p
13、rocess, will develop through reforming hurried ceaselessly. The content of reform involves competition ability of financial industry whole already rise, also involve finance of system of macroscopical adjusting control perfect, the train of thought that still involves finance to superintend is adjus
14、ted. Enter WTO transitional last years as our country this year, chinese market will be opened in the round external, money market is not exceptional also, commercial bank of 113 cities of our country will face greater pressure. Look from domestic environment: The change as macroscopical economic si
15、tuation and the further development that economic system reforms, since September 1997, china appeared to change newly in financial side. Because successive prices loses growth to reach its to produce development, economic benefits and the adverse effect that invest faith to the enterprise, economic
16、 finance moves in appeared to compare serious deflationary phenomenon, to commercial bank of burgeoning share-holding system, monetary supply grows speed rein in, cause a bank directly source of indebted business capital decreases. The pressure of the fluidity that commercial bank place is faced wit
17、h and security increases further. In recent years, central bank was superintending a respect to take the step of materiality lawfully, came on stage to include early or late “ Chinese people banking law “ , “ commercial bank law “ , “ bill standard “ , “ assure law “ inside a series of banking laws
18、and regulations, be in debt to the asset of the commercial bank not only the management index that scale management and key need undertakes strict monitoring, and in breed of setting of the capital stock structure, management that separate line of business, orgnaization, scope of business, basic acc
19、ount, business Zhu Fang face was made than before more comprehensive and strict superintendency regulation. As the exposure of the rapid development of burgeoning commercial bank and problem, central bank is stemmed from be on guard financial venture and the consideration that defend financial safet
20、y, all-around the superintendency strength that increased bank of trade of the Xiaoshang in be opposite, in be opposite, small commercial bank implements more restriction, the policy advantage of commercial bank of burgeoning share-holding system is lost already basically. In addition, because what
21、code causes is system, inequitable the phenomenon is more apparent. For instance, after Hainan develops a bank to be shut, a few ministries and commissions, branch gives country and place subordinate business later development, ask deposit door can leave only in 4 big state-owned commercial banks, c
22、aused move of deposit of commercial bank of burgeoning share-holding system. About orders provision, only capital gold is in the commercial bank ability of 8 billion yuan of above is qualified become fund mandatory person, this is equal to a commercial bank of all share-holding system beyond traffic
23、 bank to queue up outer. Be like again, basic account policy is rolled out stage by stage with what sponsor bank system, make commercial bank of burgeoning share-holding system is below the condition with market inferior still share, be in more adverse competition position. 1. Oneself of commercial
24、firm of city of 2 our country develops the dilemma that faceIn recent years, urban commercial bank leads quality of not tall, asset amply in capital of the presence in development the problem with difference of ability of not tall, gain and not perfect legal person, more important is the market ambi
25、guous, business simplification is changed with superintendency this locality. Urban commercial bank has an advantage quite in service of medium and small businesses; Although most city commercial firm realizes this, and will locate for the market certainly, but more be say on paper, have not applica
26、tion arrives actual. Do not have the fixed position that seeks oneself in fractionize market plus oneself of urban commercial bank, spell an orgnaization with big bank however, spell big client, spell a network. Thereby the effect that everybody cannot see superintendency branch is encouraging urban
27、 commercial bank to be developed in dweller of service place economy, service, begin slowly the characteristic of place of desalt city commercial firm, duplicating simply only to the superintendency of city commercial firm standard of national share-holding system commercial bank and mode, lack othe
28、rness and flexibility thereby, bring about superintendency effect nature to be like person meaning very much. Up to 2005 3 quarters end, bad loan remaining sum is commercial bank of 113 cities of countrywide one hundred and two billion seven hundred and ten million yuan, reduce 3.16 billion yuan tha
29、n the beginning of the year; Bad loan is led 9.74% , drop than the beginning of the year 1.95 percent. Of bad loan “ double fall “ , should be a good news of course, but the problem depends on, what Chinese silver-colored inspect can be interested is the world current sth used to ones own advantage
30、is led amply. 113 cities commercial bank is led amply up to the average capital by 2004 for 1.36% , accordingly, the likelihood end 2006 will be commercial bank of a few cities relies on what oneself force spans hard “ natural moat “ . Held May 18 last year “ fortune “ forum “ course of study of Ban
31、k of China reforms recent situation “ seminar is met on, conference chairman Liu Mingkang shows Chinese silver-colored watch, before arriving by 2006, only the commercial bank of 80% can achieve the capital of 8% to lead a standard amply. Coulee of week of president of Chinese people bank expresses,
32、 the reform of phase of the next of course of study of Bank of China, those who be aimed at is urban commercial bank, “Among them 70% need recombine through capital get a new life “ . In view of above reason, conference chairman Liu Mingkang points out Chinese silver inspect, urban commercial bank m
33、ust build good company to administer structure and processing mechanism, build capital to restrain a mechanism, insist to close to reform, hurried develops in order to open. He still points out, to satisfying each superintendency requirement, and according to “ system of grade of risk of share-holdi
34、ng system commercial bank (provisional) “ the urban commercial bank that above level waits for in reaching commercial bank of existing share-holding system, meeting general allows silver-colored inspect stage by stage its cross area to manage. Chairman Liu Mingkang came in April 2004 after asset of
35、Anhui city commercial firm putting forward recombine first when Anhui survey, via a year of much in-depth survey, prove repeatedly, assets of badge merchant bank recombines pursue a course. The mode that 2 asset recombineThe definition that recombines to asset currently is very much, basically have
36、two kinds: Broad sense asset recombines and narrow sense asset recombines. Broad sense asset recombines is the market economy country that shows it is mature to be in, droit of the property right of legal person money that the enterprise carries principal part of different legal person, contributive
37、 person and creditor undertake according with capital to be adjusted of purpose of the greatest rise in value each other with the change, apply annex, buy, amalgamative wait for a method, to the reset of industrial capital, finance capital, property right capital and intangible assets, make thereby
38、the action of a kind of economy that the hegemony of the management resource of the enterprise or property right produce move subsequently. Broad sense asset recombines to include the unripe group of the asset that goes up to accounting meaning already, include pair of creditors rights, property rig
39、ht again recombine, belong to an enterprise to recombine actually. Narrow sense asset recombines, show the asset that goes up to company accounting meaning recombines, namely asset recombines is the asset putting an amount that shows company share-holding system transforms former company of process
40、lieutenant general, the course comes off, schism and amalgamative wait for means, to the asset of the enterprise and constituent reset and setting, decide the action of reasonable capital structure. The purpose that asset recombines is the configuration efficiency that raises capital fund and capita
41、l utilization rate, raise the economic benefits of the enterprise, assure the appreciation keeping a cost of asset. The article basically discusses broad sense asset to recombine the action of commercial banks of pair of city of current our country, the asset of later development recombines to all s
42、how broad sense asset recombines. To the enterprise, the target that asset recombines has two: One is to realize best dimensions to change manage, another is the resource that needs pair of industries according to the development of the enterprise undertakes new configuration. Realize these two targ
43、ets to improve the asset quality of the enterprise effectively, can improve the management efficiency of the enterprise on the base that does not increase capital to put an amount thereby. Asset recombines to basically have the following 3 kinds of means: (1) dilate asset recombines. Dilate asset re
44、combines is to show the enterprise is what enlarge operation and undertake to recombine. Amalgamative, annex, buy waiting for means is the basic form that dilate asset recombines. Use dilate asset to recombine, involve issue of increment capital origin necessarily. Capital ownership issue also will
45、change subsequently. (2) systole asset recombines. Systole asset recombines with dilate asset contrary, it is normally undertake for contractible operation recombine. Schism, sell, go bankrupt waiting for means is the systole that often uses asset recombines a form. Systole asset recombines to also
46、will be involved indebted with structure of give up of property right dimensions fluctuant. (3) mix model asset recombines. Mix model asset recombines is to show at the same time prize asset recombines the enterprise the asset of outspread form and contractive form recombines. Below this kind of cir
47、cumstance, the enterprise recombines a target to come true, take as abhorrent as direction of management asset contractive means to come off its on one hand go out; On the other hand, the asset that takes outspread means to manage implementation the target to need is purchased come. Mix model what a
48、sset recombines not to cause asset dimensions certainly is fluctuant, but cause capital structure to change necessarily, cause capital structure likely to change. Changing in restricting practice, basically have the following 5 kinds of mode: (1) come off asset of blame management sex, change the pl
49、ace in restricting practice to tell namely “ advocate complementary depart “ recombine mode. (2) direct the enterprise good asset depart comes out, change in restricting practice, use commonly accuse a type depart and schism type depart two kinds of mode. (3) the enterprise is amalgamative, several companies assets forms company of a dimensions again, change the place in restricting practice to tell namely “ amalgamative type recombines “ and “ set newly recombine “ mode. (4) absorb increase capital newly, chang
