国有银行改革路径选择的哲学思考

A Philosophical Pondering on the Path of State-owned Banks

中国国有银行改革已三转路径,却未得其果,其原因是在国有银行工具性质的笼罩下,无论是外部竞争引进还是产权制度变迁,不是此路不通,就是改革被引到岔道上去了,最终不能标本兼治,商业化改革至今由于多种阻挠而不能彻底。因此,以微观效率改善为目标的国有银行改革,应该从改变国有银行性质切入,真正把国有银行从公共地悲剧中解救出来,成为商业性盈利实体。这有赖于政府淡出对微观经济主体的责任,进而有赖于政府政绩评价体系的彻底变革。

The reform in China's state-owned banking system cannot reach its goal of business bank-orientation. The reason can be traced to property rights system obstacles. Hence, the change of property rights is the way to save the state-owned banks from those tragedies aroused from common land. The quit of government from banking sector is a right way to realize the goal and it depends on the thoroughly reform in government performance appraisal system.