法与经济交融视域下民营银行准入之检视与完善

Criticism and Improvement of Legal Rules on Market Access of Private Bank from the Perspective of Law and Economics

民营银行市场准入,即有关民间资本投资设立商业银行的条件,是备受关注的金融改革核心议题之一。我国现行制度覆盖面过窄,且过于原则化,远不足以支持金融机构多元化的改革目标。本文主要采用比较研究与实证分析等研究方法,借鉴发达国家和地区金融准入制度,结合具体国情,在所有权结构、注册资本、业务范围、高级管理人员资格等方面,提出完善我国民营银行市场准入立法的一孔之见。

Market access of private bank is one of key issues on financial reform. The current legal system on market access of private bank is too narrow to support co- existence of diversified financial institutes. This dissertation presents suggestions on the legal system of market access of private bank in P.R.China on the basis of comparative research and empirical research on ownership structure, registered capital, sphere of business and qualifications of senior staff.