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改革开放二十年来,我国的社会政治、经济、金融体制等都发生了深刻的变化。回顾我国金融体制改革的历程可以看出,政府的改革思路是:由于国有专业银行经营机制落后,缺乏活力,政府希望通过设立一些非国有金融机构以及引进外资金融机构,参与国内金融市场平等竞争,打破金融业的垄断局面,从而借助外部刺激推动国有专业银行最终向现代商业银行转轨。 80年代以来,随着经济改革的深入发展,我国陆续出现了一批全国性和区域性的商业银行,此外还有各地城市信用合作社和农村信用合作社等非银行金融机构。伴随我国经济对
In the two decades since the reform and opening up, profound changes have taken place in China’s social, political, economic and financial systems. Recalling the course of China’s financial system reform, we can see that the government’s reform mentality is that due to the backward management mechanism of state-owned specialized banks and their lack of vitality, the government hopes to participate in the equal competition in domestic financial markets through the establishment of non-state-owned financial institutions and the introduction of foreign financial institutions, Breaking the monopoly of the financial industry and using external stimuli to push the state-owned specialized banks to eventually transform themselves into modern commercial banks. Since the 1980s, with the deepening economic reform, a series of national and regional commercial banks have emerged in our country. In addition, there are non-bank financial institutions such as urban credit cooperatives and rural credit cooperatives all over the country. With our economy right