关键词: 后危机时代, 商业银行改革, 公司治理, 资本管理

Abstract: Monetary operation， credit creation， resources allotment， system risk settlement as well as social public service are a banks basic functions， and externality， vulnerability as well as public service are a banks essential attributes. The internal conflicts between the nature and the functions of commercial banks have led to the deviation of good banks from good banking systems. Therefore， at the postcrisis era when the Chinese banking reform has established good banks， it is essential to construct a wellfunctioning banking system， which includes the mainbody reforms of perfecting corporate governance， risk as well as capital management， and the system reforms such as interest rate marketization. Because the mainbody reforms and the system construction condition each other， with the former characterized by inertness， commercial banks at the postcrisis era are likely to fall into the logic dilemma of premise missing. In order to break the predicament， it is essential that the external system reforms help to promote the process of reforming.

Key words: postcrisis era, reform of commercial bank, management of corporate, capital management