摘要
如何解决当前商业银行运行机制问题 ,实现商业银行不良资产比率年均下降 2- 3个百分点是当前金融改革与发展的关键性环节之一。本文通过对江苏省常州市商业银行经营绩效进行分析 ,得出以下政策结论 :第一 ,决定当前商业银行经营绩效的主要因素是商业银行自身管理体制和宏观经济环境 ,前者是内因 ,后者是外因 ,必须综合考察 ;第二 ,以商业银行内部管理代替监管当局的外部监督 ,实行一定程度的放松管制是更有效率、成本更低的制度选择 ;第三 ,市场竞争机制是商业银行自发提高经营绩效的硬性制度约束。
It is a critical point to establish a sound operation mechanism of commercial banks to fulfill the objective that the non-performing loan rate should be decreased by 2-3 percentage points annually. This paper draws following policy conclusions by studying the case of the performance of commercial banks in Changzhou City, Jiangsu province. Firstly, two major factors that influence commercial banks' performance are internal management and macroeconomic trend. Secondly, given the condition that commercial banks' internal control system is introduced, deregulation in some degree is a more efficient and less costly choice. Thirdly, moderate market competition is a hard constraint for commercial banks to automatically improve their operation performance.
出处
《金融研究》
CSSCI
北大核心
2001年第6期122-129,共8页
Journal of Financial Research
