中国银行业改革的侧重点:产权结构还是市场结构

本文对运用SCP(结构—行为—绩效 )框架及其从行业结构的角度揭示中国银行业主要问题的思路及提炼出的政策含义提出了批评 ,认为在现代技术不断改变着银行运作机制、主要发达国家的银行业的行业结构进一步向集中化发展、各个银行在努力追求规模经济和范围经济效应的背景下 ,中国银行业保持一定程度的集中率是符合国际银行业发展趋势的。中国银行业的主要问题是国有银行产权结构单一 ,而不是行业集中的问题。从行业结构的角度为突破口的改革将可能导致中国经济的振荡。正是中国银行业的资产与市场份额集中于带病的国有商业银行 ,改革的侧重点就不能从行业结构的调整为起点 ,而是相反 ,要充分利用进入WTO后的有限的过渡期 ,在国有银行的市场份额发生显著萎缩之前 ,坚决地进行国有商业银行的产权改革 ,努力避免潜在金融风险的总爆发。

Challenges for China's Banks Reform:Ownership Structure or Market Structure

This article points out that modern technologies are changing working mechanism of banks, the structure of banking industry of main developed countries is growing into centralization, and each bank is fighting for scale-economy and scope-economy. With this background, it's accordant to the trend of international banking industry for the banking industry of China to keep a certain rate of centralization. The main problem of the banking industry of China is not the problem of industry centralization, but the structure of property rights of national banks. It may lead to the surge of Chinese economy if we break through the reform from the structure of industries. The reform could not begin with the adjustment of industry structures, with the reason that the assets and the market shares of banking industry of China concentrate on ill national commercial banks. we should make good use of the limited interim after we entered WTO, push the reform of property rights of national commercial banks stoutly before the market shares of national banks shrink obviously, and try to avoid the erupt of latent financial risks.