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政府在国有商业银行改革发展中的作用分析

         

摘要

In China's current economic system and the basic national conditions,the relationship between the government and the state-owned commercial banks is very close. A powerful tool for the state-owned commercial banks as the government's macro economic policy in the government to play a role in the process of the government will be affected by different degree in different aspects. The specific impact on the performance of the A:is the government's failure to help state-owned commercial banks to establish modern enterprise system;two is not fair competition in government financial regulation caused the banking industry;three is the accumulation of non-performing assets caused by government intervention. After analyzing these problems,the state-owned commercial banks need to implement a standardized joint-stock system,to achieve equity diversification,and establish improve the state-owned financial capital investment system,improve bank management autonomy and other policy recommendations.%在我国当下的经济体制及基本国情下,政府与国有商业银行的关系十分密切。国有商业银行作为政府实行宏观经济政策的一个有力工具,在政府对其发挥作用的过程中会受到政府不同程度不同方面的影响。具体影响表现在:一是政府未能帮助国有商业银行建立现代企业制度;二是政府金融管制造成了银行业的不公平竞争;三是政府的干预造成不良资产的大量积累。分析这些问题后,给出国有商业银行需实现规范化的股份制、实现股权多元化、建立和完善国有金融资本出资人制度、提高银行经营自主性等政策建议。

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