论我国股份制商业银行发展的若干问题

股份制商业银行高速扩张造成潜在的金融风险加大.应转变股份制商业银行的发展模式,从以资产规模增长为中心的发展模式转变到以提高资本收益为中心的发展模式上来.股份制商业银行要做好市场定位:从防范金融风险的角度而言,把服务对象定位于中小企业;从空间定位角度而言,应定位于名副其实的地方性或区域性的银行.股份制商业银行要完善公司治理结构应做到:一是切实加强对中小股东利益的保护;二是要加强制度建设,抑制金融腐败.

On the Development of Joint-stock Banks of China

High speed expansion of joint - stock banks will bring more financial risks. Shift of development modes of these banks from capital - scale - centered to capital - return - centered will be help to limit the risks. Market positioning and corporation governance are two sides of their development strategy. Joint - stock banks should position themselves as local or regional banks serving middle and small size enterprises. By the way, these banks are required to pay more attention to guarantee the benefitsof middle and small stockholders, and to enhance the institutional constructions to limit financial corruption.