中国民营银行发展的国际经验借鉴

International Experience for Reference in the Development of Chinese Non-governmental Banks

民营银行区别于国有商业银行,是中国特有的商业银行形态。其最大的特点是按市场机制自主运作,不受政府干预。但这一优势的发挥是以健全的信用环境、发达的金融市场和有效的监管体系为前提的。纵观境内外民营银行的发展历程,有成功也有失败。中国开放民营银行应当充分吸取国外失败的教训,学习其成功经验,从宏观与微观的角度做足准备,迎接金融深化改革的新纪元。

The Non-governmental Bank is special in China＇s existed commercial banking system.One of the biggest marks of a non-governmental bank is its independence in operation which is based on the market instead of the government.However,a sound credit environment,developed financial markets and effective regulatory system is absolutely needed.Throughout the practice of foreign countries, we should sum up successful experience,in particular,to draw lessons from the failure of developed,and this can lead China to success.