民间金融进入我国银行业的模式研究——一个新的分析框架

On the Mode of Nongovernmental Finance’s Entering the Chinese Banking Sector——A New Analytical Framework

针对当前我国民间金融日益活跃的现状及银监会《关于鼓励和引导民间资本进入银行业的实施意见》,本文以民间金融主体自身的风险控制能力为核心指标,建立规范化的模型,分析了其进入我国银行业的具体模式选择。本文为我国民间融资关系规范化的研究提供了理论依据,为政府引导和监管民间金融服务于实体经济提供了新的理论框架。

In light of the current situation that the Chinese nongovernmental finance is increasingly active and the Implementing Opinion on Encouraging and Guiding the Nongovernmental Finance to Enter the Banking Sector issued by the Chinese Banking Regulatory Commission,this paper takes the risk identification capacity of nongovernmental finance itself as the core target,builds standard model and analyses the concrete model selection of entering Chinese banking sector.This paper provides the theoretical basis for studying the standardization of Chinese nongovernmental finance relationship and offers a new theoretical framework on how the government guides and supervises the nongovernmental finance and lets it serve the substantial economy.