"产权残缺":国有银行"变革惰性"深层次原因透析

国有银行的市场化改革迟迟没有取得实质性进展 ,问题的关键在于国有银行内部、各级监督管理机构和地方政府对此存在着“变革惰性”,产生这种“变革惰性”现象深层次的原因在于银行经营管理者、监管者和各级国有银行对国有银行的资源拥有残缺的产权 ,必须进行产权制度的改革 ,消除这种残缺产权的发生机制 ,加快国有银行市场化的改革步伐。

Incomplete Property Rights-An Analysis of the Existence of the" Reform Inertia Phenomenon" in State-Owned Banks

The competition policy of state-owned banks proves ineffective. The main reason is that there exists a "reform inertia phenomenon" which results from the incomplete property rights, in state-owned banks, supervision and administration units, and local governments. If not properly dealt with, the phenomenon is bound to hinder the reformation of property rights, hence the slowing down of the reformation of state owned banks.