摘要
本文对当前的国有银行改革所面临的理论与实践问题进行讨论,基本结论如下。第一,对国有银行改革的讨论应立足于其初始条件,国有独资银行与商业银行不相容,国有银行具有特殊的职能边界——金融支持国家经济增长;第二,在我国特定的历史阶段,国有银行改革应遵循两种截然相异的路径:完全的股份制或国有独资,而国有控股将导致较高的道德风险;第三,机构利益的独立性并非国有银行的专有问题,通过激励机制设计应该保持国有独资银行的利益从属于中央政府的经济金融政策;第四,国有银行的分支机构和人力资源在不同的改革思路下会具有“历史包袱”和“历史财富”的或然双重性质,关键在于能否从时间序列上观察银行绩效;第五,银行改革成本只能是因支持经济增长和经济体制改革所付出的代价,这一代价的跨期承担优于即期摊销。
This paper studies the theoretical and operational issues on China s stated - owned banks. Conclusions are as follows:firstly, state ownership is not compatible with commercial banking. Secondly, private or state ownership are two choices. Thirdly, incentives should be induced to make state - owned banks keep their behavior consistent to state interest. And finally, a dynamic view is a better way to evaluate the performance of branches and human resource, and to share reform costs.
出处
《金融研究》
CSSCI
北大核心
2006年第9期1-14,共14页
Journal of Financial Research
关键词
国有银行
银行转型
stated -owned banks
banking industry reform
