基于金融生态学视角的我国民营银行发展研究

The Research on the Private Banking Development of China :Based on Financial Ecology Perspective

合理引导民间资本进入金融领域是我国全面深化金融体制改革的重要举措。当前,我国的金融生态格局面临多重困局,民营银行的破冰试点对于改善我国金融环境、激发经济活力和优化资源配置具有重大的意义。本文从金融生态学的视角出发,提出了民营银行"生态圈"的概念,通过构建一个层次明晰、功能完整的促进民营银行发展的协同机制,来实现民营银行稳定、高效、可持续发展的目标。最后,本文结合现实情况提出了我国民营银行未来发展的可能路径选择。

Reasonable guiding the private capital into the financial sector of China is an important issue to deepen Chinese financial system. At present, China＇s ecological pattern of finance is facing multiple challenges. The ice-breaking of private banks could improve China＇s financial environment, stimulate economic activity and optimize the allocation of resources. This article based on financial ecology theory, puts forward the concept of ＂private banking ecosystem＂. By building a clear hierarchy and full-featured collaborative mechanisms, the private banks can achieve stable, efficient and sustainable development objectives. Finally, this paper presents the reality of the future development path of China＇s private banks.