关于我国民营银行的发展问题

On the Development of China s Private Bank

发展民营银行是我国金融体制改革深入发展的重要方向.本文通过对当今世界各国银行业的发展过程中都共同面临的经营失败成本外化、公平与效率的矛盾、如何动态监管及时化解潜在风险等三个问题的分析,提出我国民营银行的发展必须正确处理好的三个关系,包括现有银行体系的改造与民营银行的新建、存款保险制度与市场约束硬化和公平与效率问题。

To develop private banks is the important trend of deepening China s financial system reform. The paper analyzes three universal problems faced by banking industry. They are costs transfer when management failed, the contradiction between fair and efficiency, and how to timely supervise for dissolving latent risks. Finally, the author points out that in order to develop private bank in China, it is required to properly deal with three kind of relationships including the reforms of existing bank system and the foundation of private banks, deposit insurance system and hardened market control, and fair and efficiency.