构建我国地方商业银行体系的重新思考

Reflection on the Construction of Local Commercial Banking

地方银行体系主要指省以下市县区的银行机构体系,目前,地方商业银行体系一般由工商银行、农业银行、中国银行、建设银行、交通银行,跨区域股份制商业银行和城市商业银行、农村信用社构成。随着国有银行政策职能的完全消退,为提高其盈利性水平和集约化经营程度,国有商业银行便从市县区撤出大量的分支机构,而股份制商业银行的趋利性本质又不会向次发达地区延伸机构,一些地方城市商业银行和农村信用合作社又规模小,力量微薄。因此,建立以城市商业银行和农村商业银行为主体的地方银行体系已是保持地方经济与金融相协调发展的重要环节。

Local commercial banks refer to those under the supervision of county level government.Pres- ently,the local commercial banks are composed of commercial joint-stock banks,rural cooperatives and such banks as China Commercial and Industrial Bank,Agricultural Bank of China,Bank of China,China Construc- tion Bank,Bank of Communications.The state-owned commercial banks have massively drawn their branches from the county level districts to improve their profitability and concentration,while commercial joint-stock banks are not willing to extend in sub-developed regions and City Commercial Bank and Rural Cooperatives are not big enough to take a role.Thus,it is an important step to establish a local bank system with the domination of City Commercial Bank and Rural Cooperatives for the harmonious development of local economic growth and finance.