美国的商业银行管制给我们的启示

Enlightenment of American Commercial Bank Control

商业银行的改革方向该往何处去,对商业银行如何监管,这是摆在金融改革面前最严峻的问题,未来的商业银行可能成为城市的银行、利益集团的银行、富人的银行。如果真的这样会在中国金融业推出许多新东西,这更需要国家进行更严格的适度的监管,美国的银行监管体制一直在不断地改革和调整,他们的经验对我们仍然是很好的启示。

Where is the direction of Commercial bank reform and how to supervise and manage commercial bank are important problems to finance reform. Future commercial bank will become the bank of cities, benefit groups and rich men. So China banking will present many new things and they need many more moderate control. The American bank control system is reformed and adjusted continuously, its experience is well enlightenment to us.