国有商业银行产权与金融风险浅析

Analysis on title and financial risk of the state-owned commercial bank

中国国有商业银行业潜藏着不容忽视的金融风险 ,这种迅速成长扩散的风险根植于国有商业银行产权的不可分性、非排他性和不可转让性。从上述观点出发 ,该文分析了产权与我国国有商业银行潜在的金融风险之间的内在联系 ,指出以国家控股的资本结构多元化作为国有商业银行产权改革的切入点 ,并逐渐使国有股份全部退出国有商业银行 ,方能彻底避免出现“公有地悲剧”式的金融风险。

There is large risk in Chinese state-owned commercial bank, which rootstock is the title character of state-owned commercial bank. Based on that point, this article analyzed the interrelation of the title and the risk of state-owned commercial bank firstly, then point out that only beginning with multiplicity of capital structure holding by state and quit the state-owned shares little by little, can we avoid the tragedy of public land.