【摘要】 在经济转轨时期，我国面临着银行业不稳定和无效率的两难选择。解决不稳定问题的主要方式是提高银行的资本金要求，这会损害银行业的效率；而提高银行业的效率就必须以牺牲银行业的短期稳定为代价。权衡利弊，我国银行业目前应该做出以效率为首要目标的战略选择。更多还原

【Abstract】 In the period of transition economy,China’s banking industry faces with a dilema between instability and inefficiency. The major method to solve this problem is to raise the banks’ capital reserve requirement but it can do harm to the banks’ efficiency. However if we raise the banks’ efficiency, we’ll suffer short-term instability.Weighing the advantages and disadvantages,China’s banking industry should make a strategic choice of efficienty as its first goal.更多还原