国有商业银行改革缘何难以向深层次推进

Why it is difficult for the reform of state-owned commercial bank to be promoted deeply

国有商业银行改革的滞后性对经济体制改革和经济正常发展形成拖累。导致国有商业银行改革缓慢的缘由主要有:决策层因诸多顾虑而趋于谨慎;地方政府和国有企业因受益且不担风险,而成为现行国有银行体制的维护者;国有商业银行因畏难而缺乏改革的应有勇气和动力。中国“入世”后,国有商业银行改革缓慢推进策略受到严峻挑战,出路在于加速改革,尽快构建起现代商业银行制度。

The reform of state-owned commercial bank has lagged behind and then posed cumbrance to the reform of economic system and the normal development of economy.The reasons having made the reform slow are as follows.Firstly decision-makers have showed a tendency to prudence for being full of worriessecondlygovernment at different levels and state-owned enterprises have become the vindicator of existing system the reason is that they have gotten profit while they haven't borne risk at lasstate-owned commercial banks lack reformatory courage and power because they feel fear of facing difficulty.After entering WTO the tectics of boosting slowly about reform of commercial bank will face austere challenge.Its outlets lie in accelerating reform and structuring modern bank system as quickly as possible.