中国城市商业银行改革的历史考察

A historical survey on the reform of urban commercial banks in China

自1995年中国第一家城市商业银行诞生至今,城市商业银行历经了1995—2002年组建改制、在处置风险中艰难起步,2003—2012年多措并举、在改革发展中快速发展,2013年以来转型发展、在经济新常态下稳中求进三个阶段,已成为中国金融体系的重要组成部分,并为社会经济发展作出了巨大贡献。当前,中国经济已进入高质量发展阶段,城市商业银行必须结合自身实际和区域经济发展特点,紧紧抓住完善金融服务、防范金融风险这个重点,走出一条具有自身特色的可持续发展的经营之路。

Since the birth of the first urban commercial bank of China in 1995,this type of banks has gone through three stages,namely,the period from 1995 to 2002 when it was set up and reformed,and got off to a rocky start in managing risk;from 2003 to 2012 when it adopted a multiple measures and made rapid progress in reform and development;from 2013 to now when it has been transforming and developing steadily in the new normal state.Urban commercial banks have become an important part of China’s financial system and made a great contribution to social and economic development.At present,China’s economy has entered a stage of high-quality development,urban commercial banks must combine their own reality and the characteristics of regional economic development,firmly grasp the focus of perfecting financial services and preventing financial risks,and keep along a sustainable development road with their own characteristics.