摘要
中国银行业改革发展至今已经取得了历史性成就。但是,微观市场主体的商业自主性、治理科学性和风险管控有效性并没有彻底改观,商业银行的自生能力和内在约束机制尚未真正形成,集中表现为当前商业银行经营行为的异化性特征十分明显。本文对此进行了归纳分析,在探究其制度成因与根源的基础上,结合实际提出了进一步深化改革的政策建议。
Historically speaking, great achievements are obtained in the reform and development of Chinese bank- ing sector. However, many banks' commercial independence, corporate governance and risk management have not improved correspondingly. Commercial banks' self-generating ability and internal restriction mechanism have not shaped, which typically leads to significant dissimilation in banking business behaviors. This paper focuses on this is- sue, and explores the institutional causes and origins. Finally, policy recommendations are given in terms of further banking reform.
出处
《金融发展研究》
2013年第1期49-54,共6页
Journal Of Financial Development Research
基金
山东省金融学会2012年度重点研究课题(2012SDJR06)<银行治理的中国式问题:反思与出路>的阶段性成果
关键词
行为异化
自生能力
内在约束
产权再造
behavior dissimilation, self-generating ability, internal restriction, ownership reconstruction