我国政策性银行运作模式比较及改革探析

政策性银行的金融服务作为准公益物品,具有公与私物品的两种特性,这决定了政策性银行的运作模式必须是政府与市场的有机结合.由于经营理念、运作模式等方面的差别,经过多年的发展,我国政策性银行之间出现了较大的绩效差异.为提升我国政策性银行的运作绩效,我们须从制度完善、政银分离、治理网络和竞争合作四个方面探索有效的改革路径.

Comparison of Operation Pattern and Reformation Analysis of the Policy Bank''''s in China

The policy bank's financial service takes as to the accurate public goods,and has two kinds of characteristics of the public and the private goods,which has decided the operation pattern of the policy bank must be the organic synthesis of the government and the market.As a result of difference of management idea,operation pattern and so on,the policy banks have had the bigger achievements difference through many years development in China.In order to promote the operation performances of our country policy banks,we need explore the effective reform way from system consummation,the government and banks separation,government network and competition and cooperation four aspects.