国有商业银行经济效益下降的原因及对策

在银行向商业化转轨的过程中，由于受体制及管理方式等因素的影响，致使国有商业银行的经营规模与经济效益未能同步增长，在局部地区甚至出现了亏损。为了正确认识和解决这一问题，在分析国有商业银行经济效益下降主要原因的基础上，提出了相应的对策。这些对策包括：强化国有商业银行管理机制；建立国有商业银行的风险防范机制；改革呆坏帐核消方法；强化银行内部管理等。

Reason and countermeasure of the dropping of the economic benefits in state-run commercial bank

During the course of the bank going through transition to commercialization, affected by factors, such as the system and management style, etc, business scale and economic benefits of the state-run commercial bank t failed to grow simultaneously and have even suffered the loss in some areas .in order to solve this problem, based on the analyzing the main reason in economic benefits of state-run commercial bank, have put forward the corresponding countermeasure. These countermeasures include: Strengthening the mechanism of management of state-run commercial bank; The mechanism against risk of setting up the state-run commercial bank; Reform the non-performing loans and bad accounts and subdue the method unclearly; Strengthening management inside the bank.