论文部分内容阅读
我国国有银行改革大致经历了三个发展过程:国家专业银行专业化改革时期;国家独资商业银行改革时期;国有商业银行股份制改革时期。根据中国的实际国情,我国国有银行制度变迁具有其独特的特点,主要表现在由金融充当财政的职能,国家对金融有强有力的控制力,并引导国有银行对国有经济进行资金支持,虽然在这过程中,国有银行自身承担着改革的沉重成本,由于政策性原因导致自身运营效率低下,但是对国有经济,乃至整个国民经济发展产生了巨大的促进推动作用。
The reform of state-owned banks in our country has undergone three development processes: the period of specialization of national specialized banks, the period of reform of wholly state-owned commercial banks and the period of joint-stock reform of state-owned commercial banks. According to China’s actual national conditions, the institutional change of state-owned banks in our country has its own unique characteristics. It mainly manifests in the function of finance as a financial institution. The state has strong control over the financial sector and guides the state-owned banks to provide financial support to the state-owned economy. In this process, the state-owned banks themselves bear the heavy costs of reform and their operational efficiency is low due to policy reasons, but they have played a huge role in promoting and promoting the development of the state-owned economy and the entire national economy.