我国商业银行组织结构的现状及效率分析

Perfecting the Organization System of Banking Industry in China

在金融业竞争日趋激烈的今天,我国金融业尤其是银行业的组织形式日益暴露出金融机构业务过于单一、内部治理结构不完善、缺乏规模效益、行业进入壁垒高等诸多固的弊端。根据经济学中有关产业组织理论重构与优化我国银行业组织结构是我国金融改革的首务,也是提高银行业效率的关键。

Today, Competition between Chinese banks and foreign banks become more and more intensely. Faced foreign competitors, Chinese commercial banks show much disadvantages in many aspects. Chinese commercial banks should catch hold of the chance and rebuild the standard effective corporate governance structure.