民间金融规范化发展的路径选择

Route Selection for the Standardized Development of Non-governmental Finance

发展民间金融,有利于解决当前中国的中小企业融资难等问题。发展民间金融可采取三种有效途径:一是以现有商业银行和城乡信用社为基础,通过吸引民间资本实现民营化产权改造;二是以自然人或企业发起,通过定向募集民间资金组建民营银行;三是发展民间投资联盟、民间投资基金以及民间投资公司等民间金融组织。民间金融在发展过程中经常遇到关联贷款、民营银行的信用和银行经营者的道德风险等问题,要积极应对。

It is propitious to the solution of the current financing difficulties that Chinese small and medium sized enterprises are encountering. It is likely that there exist three effective approaches to the development of non-governmental financing. First of all, based on the existing merchant banks and urban and rural credit corporations, through attracting private capitals, the reform of property right should be privatized. Secondly, initiated by natural persons and corporations, non-governmental banks should be established through directional collection of non-governmental funds. Thirdly, private financing organizations should be developed, including the coalition of private investment, foundations of pirvate investment and private investment corporations. Proactive measures should be taken to cope with such issues as the related loan, credit of private banks and ethic risk of private bankers in the procedure of developing private finance.