中国银行业改革开放历程研究——基于发展路径选择的视角

文章系统、全面地梳理了中国主要银行业金融机构的改革发展历程,并引入主流银行业发展理论进行了实证分析。在此基础上,总结了主要银行业金融机构的发展路径:即国有商业银行的发展主要围绕公司治理建设进行;股份制商业银行采取了跨区域发展的发展路径;地方金融机构随着地方政府金融意识的转变进行了试错式发展;政邮机构随着金融市场功能的演变而进行调整转型;非银行业金融机构主要随着国家制度变迁进行发展演进。这些规律的总结和路径的分析,对于中国银行业下一步的统筹科学发展具有指导意义。

A Study of the Banking Reform History:in Terms of the Banking Developing Path

The paper summarizes several development paths of the banking institutes after reviewing the mainstream banking theories and nearly three decades' history of the banking sectors in China: the state-owned banks focus on corporate governance,the joint stocked commercial banks emphasize on cross-regional expansion;local banks' transforms are largely promoted by the awareness of the local governments;the post and policy banks,together with the AMC experience a functional transition;the non-financial institutes ...