According to the State Council of the Republic of China, the company is the first state-owned financial company with the status of a legal entity, with the main task of acquiring, managing, disposing of the bad assets disposed of by the Bank of China, to maximize the effective internal mechanism and good external environment to preserve the assets and reduce losses as the main goal. For many years, the state-owned commercial bank as the main channel for financing, consolidation and distribution of production funds has been announced in Beijing, providing strong support for the development of the national economy. But before the 1995 Commercial Bank Law, the establishment of the state-owned financial assets in terms of the quality of loan control of the bank has achieved an effective internal mechanism and a good external environment to solve. At the same time, the current state-owned financial institution