By analysing the viewpoints of taking small financial organizations or state-owned banks as the main channel,a common basis for comparative analysis was established.

Because of the close relationship between the state-owned banks and political economic systems,the governments have,on one hand,played an important role in dissolving non-performing loans of banks and preventing against the financial risk,and on the other hand,because of improper macro-regulation,direct interference from the governments with.

The fundamental causes of debt soft restraints are the monopoly of state-owned banks and imperfect inner stimulus restraint mechanism,the political trend of debt paying in state-owned enterprises and imperfect inner corporate governance,imperfect capital market,unclear propertyrights,incomplete legal system and a lack of reputation system.

Research on the CRM of national bank based on online banking;

Look the Financial Risk of National Bank from the Theory of Commission-Agency;

By the construction of channel integration mode based on SOA,business channel integration and key business system modification of national bank will be achieved.

Can Going Public Mitigate the Moral Hazard of State-owned Banks;

China Gradual Reform Cost and Restructuring of State-owned Banks;

A Contractual Analysis of Property Right Diversification of State-Owned Banks;