摘要
主要市场经济国家银行业出现的集中和规模扩张演变趋势对我国国有银行改革具有重要的启示。中国银行业改革的核心是银行产业组织效率的提升 ,国有银行体制转轨的路径选择应该是股权多元化的产权结构改革和放开行业管制的市场结构改革并重的综合改革。当前银行业应该全面对内资 (特别是民间投资者 )开放 ,对外资的开放须循序渐进。
This paper analyses the trend of concentration and expansion of banking industries in main market economing countries,and the difficulties that state-owned banks are suffering in China. Based on this, the author argues that the core problem of China's banking reform is how to promote the efficiency of banking industrial organization. The path selection of the state-owned banks' economic system transition should pay the same attention to both the diversified property structure reform and the industrial structure reform aimed to reduce control on banking. To achieve this, the key point lies in the cooperation between policies. At present,China's banking industry should entirely open to the investors from inside, specially to those private investors. As to the capital from outside China, the open-up should be step by step.
出处
《财经理论与实践》
CSSCI
北大核心
2004年第5期21-26,共6页
The Theory and Practice of Finance and Economics
关键词
银行产业组织
国有银行
改革
产权结构
市场结构
效率
Banking Industrial Organization
Property Structure
Industrial Structure
Efficiency of Industrial Organization
Path Selection.
