民营银行未来所面临的风险及风险防范研究

Risk and Risk Prevention Research of Private Banks in the Future

放开民间资本自行设立银行是中国内地金融改革具有划时代意义的事件,设立民营银行,对于破解中小微企业融资难、打破银行业的垄断局面、消除金融抑制、引导民间金融的阳光化等都具有十分重要的意义和作用。但是所有金融业都是高风险的行业,尤其是缺乏运作经验的民营银行,更要清醒地认识到所面临的风险,并相应的建立风险防范措施,更好地为中小微企业服务。

It is an event with epoch-making significance for the financial reform in Chinese mainland to lift the control over private capital and whereby establish banks. Establishing private banks is of great significance and effect for solving the financing difficulty of medium, small and micro-sized enterprises, breaking the monopoly of banking industry,eliminating financial repression and leading informal finance towards transparency. However,the financial industry is a high-risk industry.As a result,private banks,which are particularly lacking in operating experience, should be more aware of the risks they are facing and establish risk prevention measures accordingly so as to serve medium,small and micro-sized enterprises in a better manner.