关于“加快金融改革,迎接入世挑战”的若干思考——写于2000年7月2日亚洲金融危机三周年之际

Thoughts about “To speed up financial reform and to meet the challenges of China's entry into WTO”

在亚洲金融危机三周年之际 ,本文提出了有关中国金融改革的一些重大课题。关于谁最需要做好“入世”准备的问题 ,文章认为首先是政府 ,是中央银行 ,因此需要解决谁是货币政策制定者 ,谁是金融最终监管者等问题。关于“入世”以后如何维护金融安全的问题 ,文章提出了“抓中间、促两头”的银行发展战略 ,主张大力发展股份制商业银行的同时 ,加快国有商业银行的股份制改造。关于如何消化银行不良资产的问题 ,文章主张运用基金方式消化已经剥离但尚未处置的巨额不良资产。文章最后指出 ,“十五”期间应注意防范财政风险与金融风险的相互转化。

It has been three years since the Asian financial crisis broke out.This paper proposes some key issues related to China's financial reform.It is suggested that first of all,government and the central bank need to be well prepared for China's entry into WTO.Therefore,questions on that who is the decision\|maker of monetary policy and who is the final financial monitor should be settled.In order to maintain financial security after China joins in the WTO,the paper put forward a strategy for developing banking sector.At the same time of strengthening the development of share\|holding commercial banks,efforts should be made to speed up reforming the state\|owned commercial banks into share\|holding banks.With regard to write\|off non performing assets that are already separated from banks but have not been assimilated yet,the paper suggests to solve the problem through fund operation.At the end,the paper points out that during the Tenth Five\|year Plan period,attentions should be paid to guard against that fiscal risks develop into financial risk,or vice versa.