韩国金融制度的改革与启示

现代经济学理论证明金融制度是一国资源配置的重要手段,能否不断对金融制度进行变革和创新,是工业化国家进行产业升级和实现可持续发展的决定性因素。韩国金融制度改革给我们的启示是:银行民营化不等于自律化;市场体制不成熟条件下开放金融业,必须强化并健全金融企业自身风险防范制度,政府的过多保护,只会使企业丧失自律和创新精神;金融监管精神必须从“控制和保护”向“自律和竞争”转变。

On the Reform of Financial System in Republic of Korea and Its Implications

Modern economic theories support the idea that the financial system is an important means for a country to distribute its resources. In this sense,continuous reform and innovation of the financial system is a decisive factor for an industrialized country to upgrade its industry and achieve sustainable development.The author points out that the reform of financial system in the Republic of Korea offers several implications relevant to our own situations.First,privatization of the banks does not simply mean self-discipline; Second,free finance in an immature market demands that measurements for preventing risks within the enterprises be strengthened,while excessive protection from the government will only weaken the capacity of self-discipline in the enterprises and make them lose the spirit of creativity;Third,the principle of financial monitoring should change from "control and protection" to that of "self-discipline and competition".