对当前国有商业银行改革的战略思考

Thinking about the Strategy of Present State-owned Commercial Banks Reform

银行改革的成功与否决定着中国金融改革的成败。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 success of banking industry reform equals to that of Chinese financial reform. The author arguers that the path selection of state-owned hanks＇economic system transition should pay the same attention to both the diversified property structure reform and the industrial structure reform aimed to reduce control on banking. At present, we should prevent state-owned cornmercial hanks from increasing monopoly, and changing ＂insider control＂ into ＂outsider control＂, thus damaging national financial security. Banking industry should be entirely open to the investors from inside, specially to those private investors, As to the capital from outside China, the openup should be step by step.