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转轨国家商业银行体制变迁是在从计划经济体制向市场经济体制转轨或过渡这样一个基本的制度变迁背景下进行的。与西方国家商业银行制度变迁相比,它不仅仅是一个效率高的制度安排对一个效率低的制度安排的简单“替代”或“转变”,也不仅仅是制度的边际调整过程,而是在特定的体制转轨背景下进行的银行制度的全面变革。而在这一变革过程中,产权变革则成为改革的突破口,转轨国家纷纷改变单一产权主体的国有产权制度,实现产权结构的多元化。
The institutional changes in the transitional state commercial banks are carried out in the context of a basic institutional transition from a planned economy system to a market economy system. Compared with the institutional changes of western commercial banks, it is not only a simple “substitution” or “transformation” of an inefficient institutional arrangement, nor is it merely a marginal adjustment process of the system, but rather a The overall reform of the banking system under the background of a specific system transition. In this process of change, property right reform has become a breakthrough point. The transitional countries have changed the ownership of a single property rights of state-owned property rights system, to achieve diversification of property rights.