中国国有商业银行制度创新研究

F832.3ResearchontheSystematicRenovationoftheState-ownedCommercialBanksinChina111361011111621262730333636414347474751253576069697478818284869297971001011051081081151151171211211223125126128130132132132136ISO9000140ISO9000140ISO9000142ISO90001421451451491511561591114567891011121314151617181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162礽63646566676869707172737475767778798081828384858687888990919293949596979899100101102103104105106107108109110111112113114115116117118119120121122123124125126127128129130131132133134135136137138139140141142143144145146147148149150151152153154155156157158159160161162163164165166昉167168169昉1701711Coase,RonaldH(1937),Thenatureofthefirm,Economics.,4,November.2North,DouglassC.(1990),Institutions,.InstitutionalchangeandEconomicPerformance,Cambridge:CambridgeUniversityPress.3Williamson,O.(1994)TheInstitutionsandGovernanceofEconomicDevelopmentandReformUniversityofCalifornia,Berkeley.4Qian,Y.(1999)TheInstitutionalfoundationsofchina’smarkettransition,PresentedattheAnnualBankconferenceonDevelopmentEconomics,worldBank,April.5Young,HP.(1996),socialcoordinationandsocialchange’,UniversityofMaryland,mineo.6RonalHCoase,Thefirm,theMarketandthelaw;UniversityofChicagoPress,1988.7North,DouglassC.(1997)Transactioncostthroughtime,inclaudeMernard(ed),TransactioncostEconomics:RecentDevelopments,Chelterham,UK:EdwardElgar.8QianYingYiandBarryWeingast(1997),Federalismascommitmenttopreservingmarketincentives,JournalofEconomicPerspectives,11(4).9WorldBank(1987)Clile:adjustmentandrecovery,ReportNo.6726—CH,December21.17210WorldBank(1997),Thedistributionofforeigndirectinvestmentinchina,PolicyResearchWorkingPaperWPS—1720,February.11WorldBand(1998a),Dividendsanddisappointments:Learningfromthesuccessandfailureofforeignaid,DiscussionDraft,July24.12WorldBank(1998b),WorldDevelopmentIndicators1998,CD—ROM.13Zhu,Guohong(1991),HistoricaldemographyofChinesemigration,SocialScienceinchina,12,57—84.14Williamson,OlioverE.(1985),theEconomicInstitutionsofCapitalism,NewYork,FreePress.15Williamson,OliverE.(1983),Crediblecommitments:usinghostagestosupportexchange’AmericanEconomicReview,73(4),519—40.16FinancialTimesEnergy(FT)(1997),ElectricityinEurope,IntotheSingleMarket,2vols.London.17Cross,E.D(1996),ElectricUtilityRegulationintheEuropeanUnion,London:Wiley.18Blanchard,Olivier(1997),Macroeconomics,PrenticeHallInternationalInc()19Dornbusch,RudigerandAlejandroReynoso(1993),financialFactorsinEconomicDevelopment’,InRudigerDornbusch(ed),PolicymakingintheOpenEconomy:ConceptsandCasestudiesinEconomicPerformance,NewYork:OxfordUniversityPress.20Levine,Ross(1997),FinancialDevelopmentandEconomicGrowth:ViewsandAgenda’,JournalofEconomicliterature,35(2.June).21Lucas,RobertE,Jr.(1988)OntheMechanicsofEconomicDevelopment’JournalofMonetaryECONOMICS,22(1,July).12341ABSTRACTThesisTitle:ResearchontheSystematicRenovationoftheState-ownedCommercialBanksinChinaMajor:PoliticalEconomicsTutor:ProfessorPanShiThefateofthecommercialbanksinChinaisofvitalimportancetothehealthyandstabledevelopmentoftheChineseeconomy.AfterenteringWTOandfacingthechallengeoftheinternationallyadvancedfinancialfields,theChinesecommercialbanksmusthaveacleargoalandreformresolutely.Onlythroughtheseways,couldtheywinatlast.Iftheyletthingsbeaswhattheyarelikeanddon’treformfirmly,renovatethesystemandadaptthemselvestothefinancialinternationalizationtrend,theydefinitelywillnotsurviveanddevelopintheinternationalcompetition.Thesystemisanimportantvariabletothedevelopmentofthesocietyandeconomy.Therefore,theefficiencyofthesystemofthestate-ownedcommercialbanksrelatestotheefficiencyofthefinancialdistributiondirectly.Basicallyspeaking,theproblemsinthestate-ownedcommercialbanksaresystematicproblems.Becauseourcountryisintheperiodofeconomicreform,reformsoftheessentialsystem,thatisthepropertyrightssystem,haveneverbeentaken.Inourcountry,thetraditionalpropertyrightssystemhasn’tchangedfundamentally,andthekeyproblemof“trueresponsibleowner”ofthestate-ownedassetshasnotbeensettledreally.InviewofChina’sconditions,ifwedon’testablishtherationalpropertyrightssystem,wewillneverrealizethegoalputforwardbyDengXiaoping,thatis,“changingbanksintorealbanks”throughdeepeningreform.Thispapertakesthe“systematicrenovationofthestate-ownedcommercialbanks”asitskeypointandtriestoexplorethesystematicreformofthestate-ownedcommercialbanksonthebasisofpropertyrights.Notonlydoesthisdeepenthetheoryofthepropertyrightsreformofstate-ownedcommercialbanks,butalsodoesthethinkingofchoosingthistitleconformtotherealityofthestate-ownedcommercialbanksinourcountry.Sothispapercouldhitthekeypointoftheproblem.Besides,theauthorcarriesoutthesystematic,deepening,theoreticalthoughtandrenovation,andprovidesrenovationthinkingonhowtosetuptheframeto2reformthestate-ownedcommercialbanks.Thepropertyrightsofthefoursolelystate-ownedcommercialbanksareownedsolelybythewholepeopleinChina.Thecountrycarriesouttheownershippoweronbehalfofthepeople.Thenominalprincipalofthepropertyrightsisthegovernmentthatrepresentsthecountry,butthepartswhorea