银行垄断与银行危机

Banking Monopoly and Banking Crises

银行垄断不必然产生无效率 ,更不用说银行危机了。但是这一状况却出现在我国的四大专业银行上。在这篇文章里 ,作者指出 ,由于我们在国有银行作用定位上的错误 ,强使它们承担了许多本不属于它们的社会的和政治的义务 ,从主观和客观两方面确定了其垄断地位 ,因此产生了许多严重的问题 ,如资本金不足、技术上的破产等 ,尤其是潜在的银行危机。

Banking monopoly doesn't necessarily lead to inefficiency, let alone crises. But this happens in China. In this paper, the writers points out that because we orient the function of national banks wrongly, forcing them undertake many social and political responsibilities, thus results in such severe problems as capital inadequacy, technical bankruptcy and, especially, banking crises.