日本主银行制对我国当前银行业改革的新启示

日本主银行制对日本战后经济腾飞起到无可否认的推动作用,然而20世纪70年代以来由于宏观环境的变化,该制度开始出现不适应,制度的惰性尤其是政府对银行的深度干预最终导致了主银行制的衰弱,且在20世纪90年代酿就了日本金融危机.我国当前的宏观环境类似于日本主银行制鼎盛时期的宏观环境,因此,我国的银行体制改革可以部分借鉴、改造日本的主银行制,股份制银行并在我国的股份制银行和民营企业之间试行主银行制.

The New Revelation of the Japanese Main Bank System to the Reform of Banking System in China

Undoubtedly,the main bank system of Japan had prompted the economy rapidly in Japan.But the system did not fit in with the changes of macro-economy from 1970s'.The inertia of institution,especially the deep intervention of government,resulted in the financial crisis in 1990s'.The present environment of macro-economy in China resembles the Japan's at the height of its main bank system.Therefore,we can use for reference the main bank system between stock banks and civil enterprise based on altered.