The thesis is established in this point: the primary task of reforming of bank is not only to establish the rehabilitation mechanism to promote development of bank, but also to establish the Darwinian mechanism according with the market-oriented economy.

• 本文是立足在这样一个基点：银行改革不仅仅是建立一个康复机制以促进银行的发展，根本的目标应是建立适应市场发展的优胜劣汰的机制；