产权视角的国有商业银行改革问题研究

A Study of Reform of State-owned Commercial Banks a Perspective of Property Right

产权制度缺陷一直是困扰我国国有商业银行发展的根本性问题。目前我国国有商业银行单一的产权结构,造成了所有者“缺位”和“越位”并存、激励约束机制不健全、银行效率低下等一系列弊病。加入WTO后,国内外银行业的竞争日益加剧,国有商业银行的当务之急是着手进行产权改革,构建适应市场经济的现代银行产权制度。通过分析我国国有商业银行产权制度改革的内生性原因和外生性因素,从制度变迁的成本—收益角度分析国有商业银行产权制度改革的必要性,进而提出国有商业银行产权制度改革的目标、思路及渐进式的改革路径。

The imperfection in the system of property right has been a perplexing problem which has hindered the development of China commercial banks.Accordingly the unitary structure of property right results in a series of undesirable problems such as the coexistence of omission and offside of the owner the imperfection of the system of motivation and restriction and the low efficiency of the banks. Therefore the reform of the property right system has become the pressing matter in order to cater to the market economy. This article analyzed the endogenous and exogenous nature of the reform of the system of property right in the commercial banksdiscussed the necessity of the reform from the perspective of cost-benefit with the change of the system and on the basis of whichadvanced the objective thought and the progressive way of the reform.