摘要
从我国银行制度变迁历程看,银行体制改革相对滞后于经济体制改革。而在当前经济体制转型改革背景下,中小商业银行的金融创新呈现出较高的模仿性特征,导致经营模式同质化问题突出,制约了中小商业银行核心竞争力的形成与可持续发展,也对经济体制转型改革产生了一定影响。本文通过对中小商业银行经营模式变迁的内在逻辑和转型路径三维模型的分析,认为在银行体制改革次序中,实施差异化监管是中小商业银行经营模式转型的前提,是打破同质化路径依赖、超越现有路径的必要条件。但最终实现经营模式转型改革的关键,仍然是中小商业银行通过市场竞争积累形成的核心竞争力。
The reform of China＇ s banking system lags behind the reform of the economic system, and China＇ s small and medium-sized commercial banks imitate each other on financial innovations. It makes their operation models highly homogeneous, and restricts their core competitiveness and sustainable development. This paper studies the logic of transformation of small and medium-sized commercial banks, analyses their path selections with a three-dimensional model, and argues that differential regulations are the premises of banks＇ operation model transformation and essential conditions to change the homogeneous operation models. But the key to achieve the operation model transformation is the core competitiveness accumulated by competitions by the small and medium-sized commercial banks.
出处
《金融监管研究》
2013年第5期80-101,共22页
Financial Regulation Research
关键词
中小商业银行
经营模式
转型
路径选择
Small and Medium-sized Commercial Banks
Operation Model
Transformation
Path Selection
