从美、日、德三国经验看中国银行业的发展  

Viewing the Development of China’s Banking Industry from Experience in the USA, Japan and Germany

作　　者：汪艳秋[1] 成春林[1] 

机构地区：[1]南京师范大学商学院,江苏南京210097

出　　处：《河南金融管理干部学院学报》2005年第3期78-81,共4页Journal of Henan College of Financial Management Cadres

基　　金：国家"十五""211工程"资助项目(1843202510)

摘　　要：美、日、德三国银行业的发展之路是大不相同的,但仍有规律可循:一是它们都朝着混业经营的方向发展;二是银行业在发展过程中都发生过危机或治理失当的问题;三是政府在银行业的改革与发展过程中都发挥了重要的、不可或缺的作用。我国银行业应吸取这几个国家的经验教训,将其置身于整个社会经济改革的实际中,推行自身的改革与发展,缩小与国际大银行之间在盈利能力、经营规模、机构网络和国际评级等方面的差距。在改革过程中,我们应认识到:第一,中国银行业的改革与发展应防止因不良债权问题导致的金融危机;第二,过度保护对银行体系稳定有负面影响;第三,选择混业经营或者分业经营并不是一成不变的。The banking development paths in the USA, Japan and Germany are rather distinct, but there still is common rules to follow: banking industries in these countries all tend to blending operation; crises and unsuitable governance have taken place in the course of development; governments have played an important, dispensable role in banking reformation and development. China banking industry should take these experience as reference, putting itself in the reality of whole social economic reformation, performing reformation and development of its own, narrowing the difference with international big banks in profitability, operation size, and international rating. During the course of reformation, we should be clearly aware that China’s banking industry should prevent against financial crises resulted from bad claim problem in its reformation and development; that excessive protection will have negative impact on banking system stability; that choosing blending or division operation doesn’t change for ever.

关 键 词：银行业 金融改革 混业经营 

分 类 号：F832.33[经济管理—金融学]