论战民营银行

Argument on Private bank

当前我国经济和金融运行中普遍存在几个 比较突出的问题:一是县级以下国有商业银行 贷款管理权限上收和资金外流;二是中小企 业,特别是民营企业融资难;三是农村信用社 及城市商业银行经营风险较大。表面上看,这 些问题彼此之间好象没有必然的联系,但从深 层次看,“则是我国金融发展滞后于中小企业 的发展,从而严重阻碍了中小企业特别是民营 企业获得金融支持”。于是,尽快开放民营银行 准入,在最近的一段时间里,成为众多经济学 者和金融专家争论的热门话题。 事实上,经济学界长期存在着改造现有中 小银行与新建民营银行两种意见。一边是学界 “新建”的呼声,一边是来自央行的“改造”论 调。“改造派”强调“新建的风险”,“新建派” 则大谈“改造的难度”。何去何从? 真理越辩越明。要把金融改革推向深入, 需要认真的辩论,需要让不同的观点交锋。在 辩论中不仅可以使更多的人了解真理,而且在 辩论过程中双方相互切磋,共同提高。学者和 金融专家各有所长,应该携手合作,进一步推 进改革。

There are a few urgent problems faced by our country's economy and finance system. One is that below the county level the loan managing power of state-owned banks should be revoked and funds should be prevented from flowing outside. Another is that small business especially those privately held raise fund hard. The other is rural credit associations and municipal thrifts operate with undue risks. The seemingly separate problems together reveal the fact underlying the whole picture that 'our country's small businesses mature so earlier than finance that they obtain little financial backup, especially in case they are private held'. Hence, non-state-owned banks entering as soon possible becomes an attractive topic in the circle of economists and finance specialists. Two voices can be heard from the circle of economists. One comes from academicians who calls for 'create new' and the other from the central bank who calls for 'reform old'. Reform old emphasizes the 'risks of creating new' while 'create new' outline 'difficulties of reforming old'. Where is the way out. To promote finance reform entails disagreeing views to argue with each other and cooperate together. Only that can truth be recognized and reform be carried on further.