Owing to simplex structure of loans, inefficacy organization and lack of mechanism, it is important for city commercial Banks to choose suitable and effective strategies during the transition process.

我国城市商业银行在贷款过度集中、组织架构效率下降、激励约束机制欠缺、收入结构单一的背景条件下进行经营转型，选择适当有效的策略显得尤其重要。

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Improper property right caused the inefficacy of corporate management structure, and furthermore it led to the laggard business and supervising mechanism.

产权制度不合理，导致法人治理结构缺失，进而又导致了银行业落后的经营机制和内部管理机制。

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