中国银行业经营模式改革研究

A Study of the Reform of Chinese Banking Management Modes

入世后,提高国际竞争力和实现可持续发展是21世纪中国银行业改革的两大命题。面对逐步开放的国内金融市场,改革现行金融分业经营模式是入世后市场化经营和国际竞争的必然趋势。改革的关键是既要融入国际化,又要符合国情。改革时机宜选在入世三至五年后实行;改革的进程应采用渐进式,分三步走;金融控股公司模式是我国现行金融条件下银行业迈向混业经营的最优选择。

With China s joining the WTO, how to make the Chinese banking competitive in the intemational market and how to make the Chinese banking enjoy a continuous development become the major concems of the personnel in the Chinese banking field. To change the current mode of management, which is based on the division of lines of work, is an inevitable tendency. The key requirement of the reform is that the reform should meet the needs of the intemational market and pay attention to the situation of our country. The reform, which should be taken after China has joined the WTO for three years, needs to be carried out gradually. We should consequently set up a mode of management that is based on the compounding of lines of work.