【摘要】 近年来,四大国有商业银行为中国从计划经济向市场经济转轨承担了高昂的改革成本,沉重的历史包袱使其自身改革进行得非常缓慢,一直没有实质性突破。2004年初,中央银行动用450亿外汇储备注资建行和中行,由此掀起了全面放开银行业务前的新一轮大规模的银行业改革。然而仅靠银行业的自身改革还远远不够,只有加快利率市场化改革和资本市场的完善,银行内部体制改革与银行外部体制改革同时进行,才能最终保证银行业改革的成功。更多还原

【Abstract】 In recent years,the state-owned Bank of Commerce shouldered the heavy cost for the reform from planning economy to market economy,which slowed its own development,so China’s reform of banks have been expecting the breakthrough in nature. In earlier2004,China Central Bank invest 45 billion foreign exchange into Bank of Construction and Bank of China,which started a new round of large-scale bank reform before the overall open business of banks. However,the reform of banks themselves are far from enough,only by the way quickening market-oriented reform of interest and the perfection of capital market,the reform in bank business would succeed.更多还原