社会信用缺失对国有商业银行改革的影响及其对策

The Impact on the Innovation of State-owned Commercial Bank from the Deficiency in Social Credit and Some Suggestions

中国在向市场经济转轨过程中,存在严重的信用缺失,集中表现为社会信用体系建设严重滞后。社会信用缺失已成为中国金融改革发展的重大阻碍。本文在深入分析社会信用缺失对国有商业银行改革影响的基础上,提出了社会信用体系建设和完善的具体建议。

In the process of Chinese transition to the market economy, serious deficiency in the social credit is shown as the lag in building the social credit structure, Social credit deficiency has become the huge obstacle to the development of Chinese finance innovation. This thesis analyzes the impact on the innovation of state-owned commercial bank from the deficiency in social credit, and provides some detailed suggestions on how to build and improve the social credit structure.