中国民营商业银行发展模式探讨

A Research on the Developing Mode of the Private-owned Commercial Banks of China

发展我国的民营商业银行,有助于调整我国经济与金融发展的非均衡状况,有利于优化资金配置,满足市场的有效需求,使金融更好地促进经济增长。我国民营商业银行的建立应采取的是强制性制度变迁和诱致性制度变迁相结合的路径,要因时因地,逐步推行。发展我国民营商业银行可以选择改造式发展模式,即通过引入民间资本对现有中小银行,特别是城市商业银行、城市信用社和农村信用社进行股份制改造,使之走上市场化经营的轨道,成为新的民营商业银行。

To develop the private-owned commercial banks of our country is beneficial to the transformation of the nonequilibrium situation of the economic and financial development of our country, and is also beneficial to the optimization of the capital allocation. Meanwhile, it also meets the effective needs of the market, and will make the financial system better promote the economic development. Private-owned commercial banks of our country should be established through the way of combining the mandatory and the inductive system transition gradually, according to timing factors and different local conditions. We can choose the developing mode of transformation, that is, getting the existing medium＆small-sized banks on the track of market management, by drawing inofficial capital to realize the transformation into the joint-stock system, especially the city commercial banks, urban credit cooperatives and rural credit cooperatives. By this means, a brand-new look of the private-owned commercial banks can be expected.