银行脆弱性与我国银行脆弱性治理

Research on Banking Fragility and Its Governance in China

从银行的自身特征来看,银行机构天然具有脆弱性。当这种脆弱性累积到一定程度后,就有可能引发银行危机。银行危机的生成机理,可以概括为银行体系内脆弱性聚集、临界点冲击、银行危机爆发三个阶段。根据我国银行业发展现状,政府部门为了有效治理银行体系脆弱性,一方面要将传统的行政约束转变为法律约束,另一方面要将银行分支机构的经营主体地位法律化。在加强法律约束的同时,重建储蓄银行序列,进一步加强银行组织体系建设。

Banking institutions are of the natural feature of fragility. When the fragility comes to a certain extent, it may induce a banking crisis. The creation mechanism of banking crisis can be summed up as three processes： the fragility collection of the banking system, the impact of critical point, and the outbreak of banking crisis. According to the current development of China＇s banking industry, in order to effectively control the banking fragility, government should transfer the traditional administrative restriction to law restriction, establish the legal operation entity of bank branches, reconstruct the sequence of savings bank, and improve the banking organization system.