我国四大国有商业银行资本金不足,资产质量和盈利能力差,业务和产品创新能力弱,内部控制和风险管理水平不高,公司治理结构存在严重缺陷等问题,严重阻碍了其自身业务的发展。实施股份制改造,加快建立现代产权制度和良好的法人治理结构,走上市之路,是国有商业银行走出困境的有效途径。Insufficient capital supply,poor quality of asset,low profit-earning capacity and weak ability to innovate services and products,together with ineffective internal control and risk management and defects in administrative structure are among the factors that seriously hinder the business development of the four big state-owned commercial banks of China.It is postulated in the paper that the way for commercial banks to get out of the present difficult situation is to implement transformation in line with joint stock system,to establish modern property right system and a good legal person administered structure,and to go on the market
