我国民营银行设立路径选择与探讨

china private bank establishing route selection and probing

随着金融体制改革的深化,尤其是向全世界开放其金融市场,这对中国的金融体制改革来说不仅是一次挑战,同时也会带来很大的发展机遇,尤其对银行民营化改革来说,更是一次契机。本文首先对民营银行的概念与优势进行了介绍,认为设立民营银行的总体路径是采用渐进式发展路径、强制性和诱致性变迁相结合、改造和新设并行路径,股权结构路径是选择相对集中型的股权结构,市场定位路径是发展地方性的中小银行。

With the deepening of reform of the financial system, in particular to open its financial markets all over the world, which for the Chinese financial system is not only a challenge, but also great opportunities for development, particularly the privatization of banks reform it is a turning point. In this paper, first the concept of private banks with the advantages of the introduction, consider the establishment of private banks are using the general path of progressive development path, mandatory and changes induced by combining the transformation and a new parallel path, the path of ownership structure are the relative concentration of Choice type of ownership structure, market positioning path is to develop local small and medium banks.