国有商业银行制度创新的三点思考

为使国有商业银行制度创新健康进行，文章对涉及国有商业银行制度创新的三个问题，即谁来推动国有商业银行制度创新、国有商业银行制度创新方式的选择、国有商业银行制度创新的路径依赖问题等进行了探讨。文章认为，国有商业银行制度创新应由政府和非政府共同来推动；国有商业银行制度创新在坚持渐进式创新的同时，也应有一些激进式创新的色彩；在国有商业银行制度创新的过程中，必须沿着既定的路径加快创新，使国有商业银行制度向既定目标变迁。同时，必须健全和完善跟踪监督机制和灵敏高效的信息反馈机制，如果发现措施不当和路径偏离，应及时纠正，把它拉回正确的轨道，以免使制度变迁进入“锁定”状态。

Some Reflection on Institutional Innovation of State-owned Commercial Banks

This is a study of the three fundamental issues that face the institutional innovation of state-owned commercial banks in China.The author maintains that the innovation should be motivated by the government and non-governmental organizations,that while gradualist approach is the order of the day,some radicalism can also be applied so some extent,and that the state-owned commercial banks must accelerate their innovative paces toward the established goals,and at the same time there must be a consistent,sensitive supervision and monitor system in place so that once the process is found to be erring,it can be immediately pulled back to the right track in stead of being "locked in".