CAJ | 학술논문

从我国银行制度变迁历程看，银行体制改革相对滞后于经济体制改革。而在当前经济体制转型改革背景下，中小商业银行的金融创新呈现出较高的模仿性特征，导致经营模式同质化问题突出，制约了中小商业银行核心竞争力的形成与可持续发展，也对经济体制转型改革产生了一定影响。本文通过对中小商业银行经营模式变迁的内在逻辑和转型路径三维模型的分析，认为在银行体制改革次序中，实施差异化监管是中小商业银行经营模式转型的前提，是打破同质化路径依赖、超越现有路径的必要条件。但最终实现经营模式转型改革的关键，仍然是中小商业银行通过市场竞争积累形成的核心竞争力。
종아국은행제도변천역정간，은행체제개혁상대체후우경제체제개혁。이재당전경제체제전형개혁배경하，중소상업은행적금융창신정현출교고적모방성특정，도치경영모식동질화문제돌출，제약료중소상업은행핵심경쟁력적형성여가지속발전，야대경제체제전형개혁산생료일정영향。본문통과대중소상업은행경영모식변천적내재라집화전형로경삼유모형적분석，인위재은행체제개혁차서중，실시차이화감관시중소상업은행경영모식전형적전제，시타파동질화로경의뢰、초월현유로경적필요조건。단최종실현경영모식전형개혁적관건，잉연시중소상업은행통과시장경쟁적루형성적핵심경쟁력。
The reform of China＇ s banking system lags behind the reform of the economic system, and China＇ s small and medium-sized commercial banks imitate each other on financial innovations. It makes their operation models highly homogeneous, and restricts their core competitiveness and sustainable development. This paper studies the logic of transformation of small and medium-sized commercial banks, analyses their path selections with a three-dimensional model, and argues that differential regulations are the premises of banks＇ operation model transformation and essential conditions to change the homogeneous operation models. But the key to achieve the operation model transformation is the core competitiveness accumulated by competitions by the small and medium-sized commercial banks.