对我国银行业经营体制改革的思考

Reflection on the Banking Operatial System reform

世界各国银行业经营体制归纳起来 ,有分离型和综合型两种。当前在西方发达国家已基本完成了从分离型向综合型的过渡 ,我国的银行业经营体制仍完全采取分业制 ,无疑是一种现实的选择。但长远来看 ,特别是我国加入 WTO以后 ,银行业的经营体制逐步向混合型转变是不可避免的发展趋势。金融业应当更新经营理念 ,积极开展金融创新 ,发展电子金融业务 ,妥善解决不良债权问题 ,提高经营管理水平 。

Summing up the operational systems of banks all over the world,there are two kinds—separation and synthesis.Western banks have almost finished the transitional period from separation to synthesis.Banking operation system in our country is still following the separation system,out of the practical choice.But,from the concept of long term,especially after the entry of WTO,it can't be avoided that operational system of banks will tend to synthesis.Financial department should renew operation concept,create new way of operation,develop electronic financial business,properly settle the bad creditor's right,raise the level of management to face the new challenge.