改制上市不是灵丹妙药--由日本的教训看我国银行改革的制度缺陷与制度设计

目前,我国国有商业银行的改革进入到攻坚阶段,改制上市成为当前国有商业银行改革的目标和救命稻草。但日本银行业历经十年的改革,却仍未取得实质进展的教训提醒我们,仅仅实现形式上的产权多元化和上市并不能从根本上解决银行业的问题,关键是要吸取日本银行改革的教训,分析国有商业银行改革中存在哪些制度缺陷,然后标本兼治,大刀阔斧地进行一系列制度创新才能把国有商业银行打造成富有效率、规范运作的现代金融企业。

Reforming System and Subsequent Listing is not a Panacea- the System Flaw and the Design of the Reform of Chinese State -owned Commercial Banks Learned from Japan

The reform of Chinese state - owned commercial banks has come to a very important stage now, and reforming system and then listing becomes the aim and straw for state - owned commercial banks. However the fact that Japanese banks havent made essential progress from their 10 - years reforming process suggested that just carrying out the modal multiplex property right and listing cant basically solve the current problems. In order to make the state - owned commercial banks into the highly well - regulated modem financial corporation with high efficiency , we should do the following: first, learn from Japan and analyze the system flaw in the reform of Chinese banks, then treat the symptoms as well as the cause through carrying on a series of system innovation.