中国银行业市场化改革的五个阶段及特点

Five Stages and the Characteristics of China's Banking Market-oriented Reforms

改革开放以来,中国经济社会转型不仅是中国银行业改革的大背景,也是银行制度市场化演进的推动力。与此相适应,中国银行制度受强制性制度变迁的影响不断缩小,而受市场主导下的诱致性制度变迁的影响不断扩大。银行体制、运行机制、市场结构的市场化变迁过程呈现五个不同的阶段性特点,经历了一个从计划经济体制下的银行制度到基本符合市场经济要求的现代银行制度转变的过程。

Since the reform and opening up,China＇s economic and social transformation of China＇s banking sector reform is not only the background,but also the evolution of market-oriented banking system,the driving force.Correspondingly,the Chinese banking system subject to a mandatory system,the impact of change continued to narrow,but by the market-induced institutional change under the impact of expanding.The banking system,operation mechanism,market structure,market-oriented changes in the process of rendering characteristics of five different stages,has experienced a system from a planned economy to the banking system basically in line with market economy requires a modern banking system in the process of change.