Achievement and experience
7. Chinese banking system reforms 25 years
Main achievement and primary experience
7. System of 1 China banking reforms main achievement of 25 years
Financial system reform comes 25 years, chinese banking industry commercializes financing through founding the financial system of diversification, development system, ceaseless improve finance to serve kind, building effective macroscopical adjusting control and inspect body is to wait for means, in safeguard economic stability and financial job security to move, apply monetary credit policy to support economy structure of growth, stimulative economy is reasonable adjust, the effect with safeguarded the respect such as financial order to develop the stability that maintains currency value, main.
Chinese banking system has made the main component of national economy.
The financial system of 7.1.1 perfect diversification, enhance financial actual strength
The development that carries reforming and opening 25 years, system of organization of our country banking develops by system of unitary Chinese people bank today, preliminary already built by adjusting control of Chinese people bank, by silver-colored inspect inspect of the meeting, meeting that keep watch, card can divide course of study to superintend, state-owned commercial bank gives priority to body, policy sex finance and commerciality finance are detached, a variety of finance orgnaizations, a variety of financing channel coexist, the new financial system that complementary chime attune develops the function. Up to by 2001, outside eliminating Chinese people bank, our country still has policy sex bank 3; State-owned and solely invested bank 4; Commercial bank of 10 national share-holding system; 109 cities commercial bank; Agency of 1049 cities credit; Agency of 3805 countries credit; 13 insurance company (do not contain the insurance company) with branch of insurance company of a few foreign capital and joint-stock China and foreign countries; Stockjobber many 109; 191 commercial orgnaization of foreign capital finance.
Financial actual strength increases ceaselessly. Up to by June 2002, total assets of full banking orgnaization is amounted to 23. 2 trillion yuan, 14 times closer than growing 1989, grow 66% than 1997.
The ownership structure of financial orgnaization also produced very big change. In the financial orgnaization of our country, divide 4 big commercial banks and People's Insurance Company of China, Chinese life insurance company is state-owned and solely invested form, other all is to use share-holding system form, its become a shareholder capital has finance capital to also have legal entity fund already even dweller individual becomes a shareholder capital. The bank of Chinese the people's livelihood that established 1996, advocate if become a shareholder by private legal entity,invest, it is commercial bank of share-holding system of the first civilian battalion. At present the financial orgnaization of our country basically got used to the development need of a variety of ownership structures, money market changes degree to be deepened ceaselessly.
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