与跨国银行竞争——中国银行业的效率与金融安全

银行改革的成功与否决定着中国金融改革的成败。中国银行业改革和打造国家金融安全体系的核心是银行产业组织效率的提升。有竞争才有效率,有效率才有竞争力,有竞争力才有国家金融安全。国有银行体制转轨的路径选择应该是股权多元化的产权结构改革和放开行业管制的市场结构改革并重的综合改革,当前要警惕其引入战略投资者后强化行业的行政垄断,由“内部人控制”演变成“外部人控制”,损害国家金融安全。银行业应该全面对内资(特别是民间投资者)开放,对外资的开放须循序渐进。

The bank reform whether success or not determinates the fate of Chinese financial reform. The core of Chinese bank reform and setting the state＇s financial security is to promote the efficiency of bank industrial organization. With eompetitive force then has efficiency, with efficiency then has competitive force, and with competitive force then hold the state＇s financial security. The avenue option of national bank system transformation should be the synthetic reform that both property rights structure reform that stock rights pluralized and market structure reform that opening career control to be in duality, currently should be guarded is after it introduced strategic investors the administrative monopoly of enhancing career become changing from ＂internal people control＂ to ＂external people control＂, and damages state＇s financial security. So the bank career should entirely open internal capital, and then orderly open external capital.