从国有商业银行的治理结构看国有企业的改革方向

Study of the Trend of Reform in State-run Enterprises from the Perspective of the Operating Structure in State-run Commercial Banks

1995年中央政府为规避金融风险所采取的一系列措施 ,无形中为国有商业银行设计了一套治理结构 ,它有效地规范了商业银行的信贷行为 ,增强了银行经营的独立性。国有商业银行改革的相对成功证明了独立财产权并不是保证信贷交易效率的必要条件 ,一定的正式制度安排所形成的公司治理结构会具有同样的效果。这一结论为国有企业的改革找到了出路。

Measures taken by the central government in 1995 to eliminate the financial hazards has coincidentally served as the set of operating structure for state-run commercial banks.These measures have successfully regulated credit loans of commercial banks and strengthened the independencc in managing the banks.The initial success of the reform in state-run commercial banks indicates that independent property right is not necessarily the prerequisite of successful credit loans.An operating structure resulted from standard arrangements may have the same effect.It is hoped that this can help the reform of state-run enterprises.