摘要
本文在一个委托代理关系的框架内 ,分析了目前我国商业银行由于各利益相关方利益的均衡导致改革陷入系统锁定的困境。体制内因素难以打破这种困境 ,为此 ,必须引入一外部变量 ,借此改变系统环境 ,破坏系统原有运行机制。外资银行的进入可能会提供这样的促动作用 ,实现商业银行改革的突破性发展。最终使商业银行改革走出一条以市场改革引致产权改革 ,以产权改革促进市场改革的制度变迁路径。
With the framework of principal-agent relation,the author argues that the current dilemma in reforming the commercial banks of China derives from lock-in effects due to the equilibrium of benefit among stakeholders.Because the endogenous variable in the system does not work in dissolving the problems,and exogenous one must be introduced into it,thereby changing the original system environments and breaking up its running mechanism.The foreign banks may be considered as one of such exogenous variables,its entry may provide the system with an outside force to nourish a breakthrough in reforming the banks,which may,on the basis that market reform benefits the property right reform with each other,induce such reform finally into an institutional change.
出处
《财经问题研究》
CSSCI
北大核心
2000年第11期22-26,共5页
Research On Financial and Economic Issues
关键词
商业银行
体制改革
低经均衡
国有银行
中国
dependence of path
principal-agent relation
equilibrium with low efficiency
lock-in of the system
foreign banks
