Ｓｔａｔｅ－ｏｗｎｅｄ Ｂａｎｋｓ Ｒｅｆｏｒｍ：Ａ Ｔｈｒｅｅ－Ｓｔｅｐ Ｓｕｃｃｅｓｓ

State-owned commercial banks arethe major part of China's bankingindustry. Their growth and devel-opment is in direct relation to the overalleconomy and financial growth in thecountry. After the Asian financial crisisat the end of last century， the Chinesegovernment has taken a string of financialmeasures. To some extent， the financialresults have been improved in state-ownedcommercial banks. However， some fur-ther problems are yet to be solved in therelated system and mechanism.

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