我国中小银行发展制约与对策

China small and medium bank development restriction and countermeasure

随着金融市场的开放和金融体制改革的深入,中小银行的发展越来越引起人们的关注,市场垄断和公司治理缺陷是目前影响我国中小银行发展的主要因素,中小银行发展应首先找准市场定位,进行市场细分,同时寻求理想的战略投资者,形成多元化的股权结构和健全的公司治理机制,而政府则应逐步打破银行业的垄断结构,为中小银行的持续健康发展营造一个公平竞争的市场环境。

Along with the financial market liberal-ization and the deepening of the financial system re-form,more and more people concerned about the development of small and medium-sized banks,the market monopoly and corporate governance deficiencies are currently affecting small and mediumsized banks in China as a major factor.Small and mediumsized banks should first identify the market position,market segmentation,while search for the ideal strategic investor to form a diversified shareholding structure and sound corporate governance mechanisms,at the same time the government should gradually break the monopoly structure of the banking industry for small and mediumsized bank＇s sustained and healthy development to create a fair competitive market environment.