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注资与国有商业银行改革的深层次思考--基于政治经济学范式的分析
引用本文:赵勇.注资与国有商业银行改革的深层次思考--基于政治经济学范式的分析[J].海南金融,2005(5):13-14,40.
作者姓名:赵勇
作者单位:北京师范大学,经济学院,北京市,100080
摘    要:本文从政治经济学的视角分析了注资与国有商业银行改革的几个相关问题。其主要观点大致有:第一,国有商业银行改革的核心在资产部分,在微观基础未能得到有效改善的前提下对银行的资本金结构进行单方面的改革不可能取得令人满意的效果;第二,我国国有商业银行的资本金是国家声誉与居民储备之间的一种奇特资本联盟,国家声誉的“入股”使得居民的核心存款变为附属资本;第三,国家声誉的不可分性使国有商业银行改革过程中必须保证国家对银行的绝对控股,国有商业银行制度的存在有其合理性,不能一味否定。本文的结论是,国有商业银行改革应和微观经济基础的改革结合在一起,从长期的制度变迁角度进行渐进式的改革应是国有商业银行改革的路径选择。

关 键 词:注资  国有商业银行改革  道德风险  国家声誉  政治经济学分析
文章编号:1003-9031(2005)05-0013-03

Capital Injection and Reform of State-owned Banks--A Perspective of Political Economy
ZHAO Yong.Capital Injection and Reform of State-owned Banks--A Perspective of Political Economy[J].Hainan Finance,2005(5):13-14,40.
Authors:ZHAO Yong
Abstract:This article has analyzed several related questions about capital injection and the reform of state-owned banks from a perspective of political economy. The arguments put forward in the paper include: 1.The core of state-owned banks' reform lies in the part of property. With the micro-level in the economy remaining unchanged, the readjustment of equity structure in our state-owned banks will be doomed to failure. 2. The equity structure in our state-owned banks is a kind of unusual capital alliance between country prestige and inhabitant deposit. 3. The divisibility of country prestige demands we must insure the driver's seat of the country in the process of banks' reform. Therefore the conclusion drawn in the paper is what follows: the reform of the state-owned banks should be combined with the reform of the microscopic economic basis. We must insure the dominant position of the country in the process of reform and deal with the problems of our state-owned banks gradually and prudently.
Keywords:Capital Injection  Reform of State-owned Banks  Morals Risk  Country Prestige  Political Economy
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