金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2008年
8期
72~77
,共null页
银行业协会 市场失灵 政府失灵
銀行業協會 市場失靈 政府失靈
은행업협회 시장실령 정부실령
Association of Banks; Market Failure; Government Failure
企业为了生存和发展就必须加强合作和协作，必须由个体理性走向集体理性；集体理性的企业群体需要某种组织形式实现科学治理，使其具有活力和执行力，于是企业协会就应运而生；企业协会的功能是通过“集体实施”来发挥的。河南省银行业协会的实践表明：银行业协会不仅具有较强的行业管理功能，并且具有对客户的信誉建设功能，较好地克服了“市场失灵”和“政府失灵”问题，企业协会已经成为与市场、国家、企业并列的有效社会治理方式。
企業為瞭生存和髮展就必鬚加彊閤作和協作，必鬚由箇體理性走嚮集體理性；集體理性的企業群體需要某種組織形式實現科學治理，使其具有活力和執行力，于是企業協會就應運而生；企業協會的功能是通過“集體實施”來髮揮的。河南省銀行業協會的實踐錶明：銀行業協會不僅具有較彊的行業管理功能，併且具有對客戶的信譽建設功能，較好地剋服瞭“市場失靈”和“政府失靈”問題，企業協會已經成為與市場、國傢、企業併列的有效社會治理方式。
기업위료생존화발전취필수가강합작화협작，필수유개체이성주향집체이성；집체이성적기업군체수요모충조직형식실현과학치리，사기구유활력화집행력，우시기업협회취응운이생；기업협회적공능시통과“집체실시”래발휘적。하남성은행업협회적실천표명：은행업협회불부구유교강적행업관리공능，병차구유대객호적신예건설공능，교호지극복료“시장실령”화“정부실령”문제，기업협회이경성위여시장、국가、기업병렬적유효사회치리방식。
Cooperation and transformation from individual rationality to collective rationality are of great importance for survival and development of enterprises, and one organization with vigor and executing capability is needed to achieve scientific governance, which causes the emergence of business association accomplished its function by way of its collective enforcement. The practice of HAB （Henan Association of Banks） shows that Association of Banks can not only manage banking industry, but also can help its client for reputation-building, consequently market failure and government failure can be resolved to a large extent, so enterprises association is an effective governance mode as well as country, market and firm.
