强化国有商业银行信用的法律研究

银行信用在整个社会信用体系的建设中,具有先导和推动的作用。如何强化国有商业银行信用更是金融改革的重点和难点。银行业垄断体制、国家信用的隐性担保、政府长期干预、法律的不完备等外在体制上的原因和国有银行产权安排、经营体制、人事制度等内生性因素共同导致了国有银行信用外观坚实、内在缺失的现状。完善相关立法,将体制上的对策与法律上的对策相互结合,构建稳健的银行信用。

A Legal Research on Strengthening the Credit of the State- owned Commercial Banks

Credit of banks can promote the construction of the whole social credit system.It is important and difficult to strengthen the credit of state-owned commercial banks.There are some outer and inner reasons,such as monopoly system,latent guarantee from state credit,long period of governmental intervention,imperfection of law,arrangement on the property right of state-owned banks,management system,and personnel system etc.,which lead to the phenomenon,that is,stability of surface,imperfection of internality.To construct a stable credit of state-owned banks,we should perfect the correlative laws and combine the measures of system reform with that of law.