China’ s four state - owned commercial banks have comp leted the reform of the shareholding system, which is publicly listed in the securities exchange market . But the corporate governance structure is not scientific, the quality of assets is not good enough, the concept of management and institutional reform is not in place completely . The traditional machanism of performance assessment still play the important role . An intitutional governance framework of inter - monit oring and high efficiency should be set up t o maxi mize the profits of investors, such as the assessmentmachanism centered on economic value - added and all ocation form of financial res ourses,and the shareholdering structure based on moneygram + strategic invest ors + public communities, etc .