民营资本参股银行业的利弊分析

An Analysis of the Advantages and Disadvantages in Non-governmental Capital Investment in Banking

分析了民营资本参股银行业的利益和银行业务相关监管规定中的缺陷,提出:商业银行对同一借款人的贷款余额与商业银行资本余额的比例不得超过百分之十的规定中,如单户企业为集团公司,则应明确规定包括母公司及所有控股子公司。各股东必须将自已的投资及受控情况如实告知入股银行及银行监督管理机构,否则承担相应法律责任。商业银行不得向客户提供由关联企业和关系人作为保证人的担保贷款。银监委在履行对银行业监管职能时,应重视银行在改革发展过程中产生的新情况、新问题,强化商业银行风险管理机制。

The paper studies the advantages in non-governmental capital investment in banking and the disadvantages in the supervising regulations in banking. One provision in the commercial banking law is that the balance of loans to one borrower must not exceed 10% of the capital of the bank. If the borrower is a group company,we should stipulate that the borrower must have its subsidiaries and share-holding companies. Every share-holder must inform the bank authority of its investing business,otherwise it will assume legal responsibilities. The Commercial Bank is not allowed to provide loans guaranteed by parties concerned. The banking supervision authority should pay more attention to the potential risks that are formed in the process of reform and development and reinforce the risk management mechanism in its supervision.