中国零售银行的制度变迁和发展路径研究

发布时间：2019-01-05 06:00

【摘要】：中国零售银行经历了从初始形态向现代形态的发展变迁,典当、钱庄和票号等构成了中国零售银行的初始形态。新中国成立以后,中国的零售银行经历了曲折的制度变迁过程,合作金融、邮政金融等几经废立。但是改革开放以后,我国不断探索新时期适合中国国情的零售银行发展模式,积极推动零售银行制度改革和创新,包括改革合作金融体制,成立农村商业银行、村镇银行等新型金融机构,推动城市商业银行改制上市,为发展城乡社区型零售银行创造条件,同时改革邮政金融体制,成立了中国邮政储蓄银行,为我国大型零售银行的发展奠定了基础。中国零售银行制度在变迁中不断向前发展。我国零售银行的发展路径应该是组建社区型零售银行以及建立跨地域大型零售银行,实现对零售金融市场的全覆盖。
[Abstract]:The retail banks in China have experienced the development from the initial form to the modern form. Pawnshop, money bank and ticket number constitute the initial form of the Chinese retail bank. After the founding of New China, China's retail banks experienced a tortuous process of institutional change, cooperative finance, postal finance, etc. However, since the reform and opening up, China has continuously explored the development model of retail banks suitable for China's national conditions in the new period, actively promoted the reform and innovation of the retail banking system, including the reform of the cooperative financial system, and the establishment of rural commercial banks. New financial institutions, such as village and town banks, have promoted the restructuring and listing of urban commercial banks to create conditions for the development of urban and rural community-based retail banks. At the same time, they have reformed the postal financial system and established the China Post savings Bank. For the development of large retail banks in China laid the foundation. China's retail banking system continues to develop in the vicissitude. The development path of retail banks in China should be to establish community retail banks and cross-regional large retail banks so as to achieve full coverage of retail financial markets.
【作者单位】：华南师范大学经济管理学院;
【分类号】：F832.2

【共引文献】