Chinese Banking Asset Restructuring Reform Research

Since the 20th century, the unbalanced competition between banks causes the merger and restructuring between banks. To get adapt to the international fashionable market development and shorten the competition distance between international banking, and to perfect the development of Chinese banking, according to the new form after joining WTO, and based on system construction, business flow and bank strategy administration, the article utilizes the empirical analysis method to analyze multi-VAR analysis on Chinese bank efficiency and economic growth, and relevant various problems of the banking, and get adapt to the restructure reform scheme, technical change, future development target, market positioning and its strategy regulation, so as to find the breakthrough reform measure of Chinese banking, and provide the principle, direction and overall idea of the merger and restructuring of Chinese banking so as to react to the merger tendency of global financial industry. It is helpful to draw on the experience of the successful experience and idea of the restructure reformation of other country's banking, and can also find out the defects of the reformation of Chinese state-owned banks. It plays a significant realistic role for deepening the reformation of Chinese state-owned banks, improving Chinese financial efficiency and promoting the rapid and stable growth of Chinese economy, and finally, the sustainable development of the financial system is realized. It aims to provide the theoretical political basis for the development of the 12th five-year plan.