论我国的金融风险与银行股份制改造

Financial Risk and Shareholding System Transformation in China

从国民经济发展全局说,对中国经济安全产生最大威胁的是由银行坏账形成的金融风险。现在进行金融改革是由经济改革的顺序选择和入世后的银行业开放时间表所决定的。期望按照西方国家的公司治理方式,进行产权改革未必能解决中国公司治理中的问题,必须结合我国的政治体制和政党制度研究中国的国有商业银行治理结构。应当坚持两个原则:党管金融和清除银行坏债靠控制增量。国有商业银行自身的组织转变比产权改革更为重要。

In terms of national economy, financial risk by bad loan is vital to economic safety. Financial reform is determined by consequent order of economic reform and banking openness schedule after WTO accession. It is doubtful to solve the problem of cooperate governance in China according to cooperate governance in Western country. We should adhere to two principles： CCP in charge of finance and controlling incremental bad loan. Organization transformation is more important than property transformation in state-owned commercial bank itself.