转型时期中国银行业改革思路分析

The Analysis on the Reformation of Chinese Banking

当前经济学界针对中国银行业改革提出的两种方案,将产权制度改革与以发展中小股份制商业银行为重点的市场结构的改革割裂开来。国有银行存在的主要问题在于产权不明晰以及高度的行业垄断,而中小股份制商业银行的建立则可以弥补国有银行的市场空缺,同时引入竞争。由此得出结论,两种改革方案并不存在冲突,而是一种近似的互补关系,对于当前中国银行业的改革都是必需的。

Now economists in China have brought forward two methods on the reformation of Chinese banking,while they deviate the market structure from the property rights.This article makes clear that the property rights and monopoly are the main problems that state-owned banks meet,while the commercial banks with small scale can fill the market space of state-owned banks and introduce the competition.And we conclude that the coexisting means is both necessary for the reformation of the Chinese banking.