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著名经济学家刘国光在《财贸经济》第11期发表文章,主张借鉴国外经验,促进专业银行向国有商业银行的转换。1、对国家专业银行适当分割。为克服行业垄断,可考虑某些专业银行适当分割划分为几个单独核算的自负盈亏的区域性商业银行。改组后要打破专业分工限制,允许业务交叉,鼓励公平、正当的竞争。2、明确产权关系。产权不清是我国专业银行现存的主要弊端,股份制是比较理想的选择。商业银行实行股份制有利于
The famous economist Liu Guoguang published an article in the 11th issue of “Finance and Trade Economics”, advocating the use of foreign experience to promote the conversion of professional banks to state-owned commercial banks. 1. Properly divide the national professional banks. In order to overcome the monopoly of the industry, it may be considered that certain professional banks are properly divided into several individual commercial banks that are accountable for their own profits and losses. After the reorganization, we must break the restrictions on professional division of labor, allow businesses to cross over, and encourage fair and legitimate competition. 2, clear property rights relations. Unclear property rights are the main drawbacks of China’s professional banks, and shareholding system is an ideal choice. Commercial banks’ shareholding system is beneficial to