制度经济学视角的国有商业银行弱势群体分析

国家所有的独特的产权制度安排以及由此而形成的对国有金融机构的行政干预,导致了国有商业银行在竞争中的强垄断地位,阻碍了体制外因素对国有商业银行竞争压力的释放,进而导致了国有商业银行市场行为的低效,成为渐进式改革中独特的弱势群体.因而,从体制上破除"父爱主义"的产权制度和国家主导下的超强垄断地位,引入公平的竞争机制成为提高国有商业银行竞争力、改变目前弱势地位的关键和前提.

The Institutional Economic Analysis on State-owned Commercial Banks as Weak Group

The special property right of state and the monopolization to state - owned commercial banks lead to the super- monopolization of state - owned commercial banks. It counteracts the release of the exterior factors, and leads to the inefficiency of state - owned commercial banks. State - owned commercial banks have become the weak group in the reformation. Altering the special property fight and supermonopolization of state - owned commercial banks and introducing the fair system becomes the key to alter the weakness of commercial banks.