It is easier to make money than sense out of China’s banks. These big four state-owned commercial banks are huge profit centres, but many who see vulnerabilities in China’s economy think that these banks are the problem when they actually reflect symptoms of distortions elsewhere. China’s banks are in fact too secure – and their performance could be improved by strengthening competition and breaking up the “too big to manage” entities.
與看懂中國銀行業相比，從其身上賺到錢要容易一些。中國四大國有商業銀行都是巨大的賺錢機器，但在許多認識到中國經濟弱點的人士看來，四大行正是問題所在——它們實際上反映出其他領域的扭曲。事實上，中國的銀行安全得過頭了。如果引入更多競爭、拆分那些“大到無法管理”的銀行，中國銀行業的業績也許能夠得到提升。
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