Economic Theory and Business Management ›› 2012, Vol. 31 ›› Issue (8): 71-80.
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YING Zhan-Yu
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应展宇
作者简介:
基金资助:
国家社科基金项目(08CJL003);教育部人文社科基地重大项目“中国金融发展中的创新和监管问题研究”;中央财经大学青年创新团队支持项目
Abstract: In process of the reform of China's stateowned commercial banks initiated by 1998, financial restructuring was not only the starting point of reform but also a key factor which restricted the furthering of successive financial reform. According to the change of sector which was directly responsible for the losses and injected new capital, this article studied the evolution of the financial restructuring modes and its policy restraints. Though MOF and PBOC dominated the restructuring alternatively, financial restructuring between 1998 and 2010 excessively relied on the Big Four banks themselves, which repressed the practical effect of the good/bad bank approach and meant that state-owned banks'restructuring didnt come to an end. It would impact on successive financial reform, such as interest rate liberalization, the transformation of AMC et al.
Key words: state-owned commercial banks , financial restructuring , mode comparing , policy restraints
摘要: 在国有商业银行改革中,财务重组既是改革的起点,也是制约其后续改革的重要因素。本文以损失承担与资金注入主体的变化为切入点,对1998年以来国有商业银行财务重组模式及其变迁作了比较制度分析,思考了其政策约束效应。本文的结论是在财政部和央行交替主导四大行财务重组的背景下,由于重组过度依赖国有商业银行自身,“好银行/坏银行”模式的实际效果受到抑制,进而导致国有商业银行财务重组并非实质完成。这已成为利率市场化、银行运营市场化及AMC转型等金融改革的现实约束因素。
关键词: 国有商业银行 , 财务重组 , 模式比较 , 政策约束
YING Zhan-Yu. A COMPARATIVE STUDY OF THE RESTRUCTURING MODEL OF CHINA'S STATEOWNED COMMERCIAL BANKS AND ITS POLICY RESTRAINTS[J]. Economic Theory and Business Management, 2012, 31(8): 71-80.
应展宇. 中国国有商业银行财务重组 的模式比较及政策约束[J]. 经济理论与经济管理, 2012, 31(8): 71-80.
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http://jjll.ruc.edu.cn/EN/Y2012/V31/I8/71