越南银行业改革：措施、成效、启示

摘要

In order to enhance the efficiency of the banking system,Vietnam reconstructed its state-owned banks,cancelled restrictions of entering into bank industry which private capital faced,expanded its opening degree of banking industry to foreign capital,established deposit insurance system.After the reform,Vietnam formed up a multi-level market structure in which the state-owned commercial Banks and private joint-stock banks,wholly foreign-owned Banks and joint venture Banks coexisted and competed,the stability and efficiency of banking system was strengthened and enhanced.%为了提升银行体系的效率,越南对银行业采取了国有银行重组、取消私人资本进入银行业的限制、扩大银行业的对外开放、建立存款保险制度等多方面的改革措施。通过改革,越南银行业形成了国有控股商业银行、私人股份制银行、外资银行、合资银行并存的多层次的市场竞争局面,银行体系的效率和稳定性得以提升和增强。