金融制度变迁、银行组织模式与我国商业银行成长

Financial Systemic Evolution,Bank Organization Structure and China Commercial Bank Growth

本文通过对金融制度变迁的理论分析和历史考察,揭示了综合化经营制度是金融制度的基本制度安排,对商业银行的成长和发展具有重要的推动作用,我国已经具备了实施商业银行综合化经营的制度基础和条件。本文认为,金融控股公司是我国商业银行实施综合化经营的目标模式。基于目前我国的制度、体制和法律现实,我国商业银行综合化经营的实现必须分步实施,走渐进之路。同时,必须加强制度基础的塑造和建设。

This article reveals that diversification is the basic systemic arrangement for financial system,which is the important driving force for the growth of commercial banks.The system basis and conditions are well available for commercial banks to adopt diversification in China.We hold that financial holding company is the objectives model for China commercial banks to implement diversification.China commercial banks should take a gradual path for the diversification and strengthen their system basis based on the realities of China's system and laws.