Abstract:Whether the bank operates well depends on the public confidence, i.e. the bank credit worthiness. In-creasing bank capital adequacy and maintaining the stable bank income inflow, the steady support and guaranteed quality,etc. are the means to raise and maintain the bank credit worthiness. In our country the bank capital adequacy has not yetbeen up to the international standards; the credit asset quality is low; the profit is yearly decreased, and the state creditworthiness guarantee has become the key factor of prudently operating the state bank. Posterior to the accession to WTO,with the opening up of banking businesses, the role of the state credit worthiness guarantee has been weakening and itswithdrawal is faced with a series of difficulties.

Key Words: guaranteed state credit worthiness; state bank; capital fund; guaranteed deposit system