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银行业财政成本问题由来已久,在世界各国中普遍存在,这其中既包括发达国家,也包括转轨国家和发展中国家。本文在分析美国、苏东国家、东南亚国家等不同类型国家银行业财政成本实践的基础上,系统总结出国际银行业财政成本的经验与教训,以便更好地控制我国银行业财政成本。在解决银行业财政成本问题的过程中,政府应扮演重要角色,通过采取积极应对策略和完善制度安排,合理界定政府与商业银行的边界,将银行业财政成本保持在合理范围内,以有效防控财政风险。
The financial cost of banking is a long-standing problem that is prevalent in all countries in the world, including both developed countries and transitional and developing countries. Based on the analysis of the practice of financial costs of different types of countries in the United States, the Soviet Union and Eastern Europe and Southeast Asian countries, this paper systematically summarizes the experience and lessons of the financial costs of international banking in order to better control the financial costs of our banking industry. In the process of solving the financial cost of the banking industry, the government should play an important role. By adopting a positive response strategy and perfecting institutional arrangements, the border between the government and commercial banks should be rationally defined so that the financial costs of the banking industry should be maintained within a reasonable range so as to effectively prevent Control financial risks.