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我国银行业市场化改革归根结底是一种国家主导的强制性制度变迁,分析其中的国家行为具有重要意义。现有的文献多从银行业制度变迁、市场绩效及风险角度阐述和解释我国银行业市场化改革进程,本文通过梳理我国银行业市场化改革中的国家行为,结合诺斯国家理论,试图从国家效用和偏好角度解释我国银行业市场化改革进程,认为国家基于偏好所导致的诺斯悖论问题是我国银行业市场化改革的深层次障碍之一,并在此基础上提出推进现阶段我国银行业市场化改革的原则和路径。
In the final analysis, the market-oriented reform of China’s banking industry is a state-led compulsory institutional change. It is of great significance to analyze the state behavior therein. The existing literature mostly explains and explains the process of market-oriented banking reform in our country from the perspective of banking system change, market performance and risk. This paper tries to sort out the state behavior in the banking market reform of China’s banking industry and the North Country theory, Utility and preference to explain the process of China’s banking market reform, that the country’s preference-based North paradox is one of the deep-rooted barriers to the reform of China’s banking market, and on this basis, put forward to promote the current stage of our bank The principle and path of market-oriented reform in the industry.