中国金融改革面对的产权问题思考  

The Problem of Property Right in China's Financial Reform

作　　者：刘东[1] 

机构地区：[1]中国人民银行武汉分行,湖北武汉430071

出　　处：《金融研究》2003年第8期88-94,共7页Journal of Financial Research

摘　　要：我国金融运行在长期向市场化转型过程中积累起来的不良资产和金融风险已日趋显现 ,深化金融改革已成为大多数人的共识 ,金融改革的重要方向是明晰产权制度 ,但对于产权的确切定义和我国目前金融体系的产权制度安排缺乏深入的研究 ,目前提出的解决办法是通过股份制改造 ,建立民营银行来改进金融体系产权结构 ,但笔者认为 ,单纯形式上的改制 ,如没有配套的产权保护机制和与之相关的经济法规 ,无法达到改善银行治理结构的效果 ,必须在完善的产权保护机制下 ,强调股东的控制权 ,使经营活动受到具体的排他性、独立性和绝对性的财产所有权约束 。Bad asset and financial risk are accumulated during t he operation of China's financial marketing and have been more and more evident. Most people agree to deepen financial innovation. The important aspect of financial innovation is to clear the system of property right. But there are short of in-depth research on the accurate definition and the arrangement of property right system of China's current financial system. The author points out that if there are not protect mechanism of property right and correlative economic rules, only formal reformation can't attain the purpose of improving bank's fathering structure. So with the perfect protect mechanism of property right, we must emphasize stockholders' rights, and make the working activity restricted by concrete wealth property, which is exclusive, independent and absolute. Only in this way we can establish the real system of commercial banks.

关 键 词：中国 金融风险 改革 金融体系 产权制度 银行体系 治理机构 商业银行 

分 类 号：F832.1[经济管理—金融学]