| 1. | In the third chapter , it took the difficult problems into account such as owner ' s absence , high deputy cost , high systematic cost , corporation governance inefficiency , a great lot bad assets , severe circumstance , capital lack and excessive employee , etc . in the fourth chapter , it summarized many experiences and lessens on coming into the market , choosing mode of corporation governance , disposing bad assets , permanent financing and so on . in the last chapter , it went into thought on how to fully use present advantage , reasonably design the structure of organization and of ownership and of governance . it also give some advice on the reformation of management mechanism such as rewarding system , stuff structure , management of venture and of assets and of enterprise culture , finance product innovation and the like
本文由六部分组成：导言，介绍了我国银行业概况和建行改革的必然性；第一章，回顾了建行的发展历史和经营业绩；第二章，详细分析了建行的组织结构、治理结构、产权结构、经营状况和所面临的环境形势，提出了建行改革的必要性；第三章，深入论述了建行面临的产权主体虚设、代理成本和制度成本高、治理结构低效等核心弊端的成因，剖析了建行改革面临的不良资产、资本金不足、政企难分等主要难题；第四章，总结了国际上其他银行在改组上市、治理结构和治理模式选择、处置不良资产、募集资本等方面的经验教训；第五章，针对建行如何改革进行了理智思考，提出了具体系统的改革建议。 |
