强化国有商业银行信用的法律研究

A Legal Research on Strengthening the Credit of the State-owned Commercial Banks

银行信用在整个社会信用体系的建设中,具有先导和推动的作用。如何强化国有商业银行信用更是金融改革的重点和难点。银行业垄断体制、国家信用的隐性担保、政府长期干预、法律的不完备等外在体制上的原因和国有银行产权安排、经营体制、人事制度等内生性因素共同导致了国有银行信用外观坚实、内在缺失的现状。完善相关立法,将体制上的对策与法律上的对策相互结合,构建稳健的银行信用。

Credit of banks can promote the construction of the whole social credit system. It is important and difficult to strengthen the credit of state - owned commercial banks. There are some outer and inner reasons, such as monopoly system, latent guarantee from state credit, long period of governmental intervention, imperfection of law, arrangement on the property right of stateowned banks, management system, and personnel system etc., which lead to the phenomenon, that is, stability of surface, imperfection of internality. To construct a stable credit of state - owned banks, we should perfect the correlative laws and combine the measures of system reform with that of law.