我国民营银行发展的难点及对策研究.docxVIP

我国民营银行发展的难点及对策研究 摘 要 民营银行是一个颇具中国特色的概念，直观地说，凡不属于政府或国家直接经营的银行均可 视为民营银行。从这个意义说，民营银行与所有制没必然联系。那么，我们需要什么样的民 营银行？ 改革开放二十多年来，随着我国市场化程度的不断提高，民营经济也不断发展壮大，民营资 本参与国民经济的程度越来越深人。然而在作为国民经济核心的金融体系中，氏营资本参与 的程度却很低。随着改革开放的不断深化，现行的银行体系及经营模式不仅对整个金融体系 的制约越来越明显，而且同时也制约着民营经济和整个国民经济的进一步发展。加人WTO 后，在国有银行同时面对彻底转换经营机制和应对外来竞争的双重压力的金融环境下，讨论 民营资本进人金融业尤其是银行业的现实意义也就更加明显。 关键词：民营银行，难点，对策 Private Banks Difficulties and Countermeasures change Abstract Private ban king is a has the Chin ese characteristic con cept, in tuitively, and said, all that does not belong to the government or national direct management of the bank are regarded as private Banks in this sense, the private bank and ownership no necessary connection so, we need what kind of private bank? For more than twenty years of reform and opening up, with Chinas marketization degree unceasing enhancementz the private economy will continue to grow stronger, the private capital to participate in the national economy is more and more deep, however, the degree of people in the national economy as a core of the financial system, private capital participation is very low with the constant deepening of reformation and opening, the current banking system and management model not only to the whole financial system restriction is more and more obvious, and at the same time also restricts the private economy and the whole national economy and the further development of the WTO, the state-owned Banks also face thoroughly change their operational mechanism and deal with foreign competition dual pressure of financial environment, discuss private capital into the financial industry especially banking practical significanee is more appare nt. Key words: Private Banks, Difficulties, Dountermeasures 目 录 一绪论 1 （一） 民营银行的概念 1 （二） 民营银行的发展意义 3 1、 完善我国金融组织体系以适应市场经济的发展3 2、 可以促进国有金融机构进一步的改革与发展3 3、 可以较好地解决三农发展金融需求的问题3 二 目前我国民营银行发展的难点4 （一） 民营银行设立方式的两难选择 4 （二） 民营银行市场准入和退出设计难题 4 1、 我国现行银行市场准入机制存在的问题 4 2、 我国现行银行市场退出机制存在的问题 6 （三） 民营银行发展外部条件缺陷7 三 发展民营银行的经验借鉴与我国的实践8 （一） 中东欧国家