论银行转型在构建新发展格局中的基础作用  

On the Basic Role of Bank Transformation in Creating a New Development Pattern

作　　者：潘英丽[1] Pan Yingli

机构地区：[1]上海交通大学安泰经济与管理学院

出　　处：《学术前沿》2021年第4期10-19,共10页Frontiers

摘　　要：中国银行业是中国金融业的主体,并且有创造多倍货币的功能。股市的健康发展对核心技术的突破和产业前沿的拓展有关键作用,而银行转型对推动巨大的存量经济转型、化解系统性金融风险以及促进更高质量、更有效率、更为公平和更可持续的发展具有基础性作用。为促进银行转型,要求实施控制货币与信贷增长速度,放开银行无风险非银行收费业务的政策;推进政府行政体制改革,退出银行的第二财政功能;完善金融机构承担社会责任的相关法律及监管,提高金融的普惠性质;创造良好的制度环境,促进优秀企业组织和优秀银行家快速成长。The banks play a main role in China’s financial industry,and have the function of multiplying the monetary base.The healthy development of the stock market is key to making breakthroughs in core technologies and expanding industrial frontiers,while the transformation of banks plays a fundamental role in expediting transformation of the existing massive economy,resolving systemic financial risks,and striving for higher-quality,more efficient,fairer and more sustainable development.In order to promote the transformation of banks,the government is required to implement a policy for controlling the growth rate of money and credit and liberalizing the risk-free non-banking paid services of the banks;deepen reform of the government administrative system,and remove certain banks from their function as the secondary source of government spending;improve the relevant laws and regulations on the social responsibility of financial institutions,and increase the inclusiveness of finance;and create a good institutional environment to help the outstanding enterprises and bankers to make rapid progress.

关 键 词：银行转型 新发展格局 基础作用 制度环境 

分 类 号：F832.2[经济管理—金融学]