我国国有商业银行改革的关键:产权制度改革

Reform of Property System the Key to the Reform of State-Owned Commercial Banks in China

近年来,我国国有银行改革逐步深入,在很大程度上增强了进入市场参与竞争的能力和条件,市场化倾向的经营运行机制也开始逐步确立,但改革至今,仍然与我国国有商业银行改革目标有较大的差距,国有商业银行不仅未能摆脱低效率,相反却步入高风险的困境。本文从我国国有商业银行单一产权和产权不清等现状出发,借鉴国外商业银行产权制度的改造经验,指出我国国有商业银行改革的首要问题和核心问题是进行产权制度改革,进行股份制改造是当务之急。

In recent years the reform of state-owned banks is furthering which to a great extent has strengthened the ability to participate in the market competition and facilitated the establishment of marketizationed operating mechanism. However there still exists a long distance from the reform goal. The state-owned commercial banks not only fail to get rid of the poor efficiency but sink in the risk predicament. Based on such situation the paper points out that the primary and key problem of the reform of those banks is to reform the property system to carry on the reform on shareholding system.