发展民营银行需慎行  

CAUTION IS TO BE PRACTICED IN THE DEVELOPMENT OF INDIVIDUALLY - RUN BANKS IN CHINA

作　　者：王培华[1] 

机构地区：[1]中央民族大学经济学院,北京100081

出　　处：《西南农业大学学报（社会科学版）》2006年第1期12-16,共5页Journal of Southwest Agricultural University:Social Science Edition

摘　　要：民营银行在我国已不是一个新的话题,针对民营企业融资困难,国有银行存在的弊端以及我国整个银行业的状况,许多学者提出在我国大力发展民营银行,许多民营企业家也积极宣扬建立民营银行。民营银行确有其自身的优势,有值得国有银行借鉴的地方,但是我们还要冷静去分析大力发展民营银行是否有必要,是否符合我国当前的实际状况。笔者认为,目前在我国发展民营银行还需慎行。Individually - run bank is no longer a new topic in China. Owing to the constraints that private companies face in financing, the defects of state - owned banks and the present situation of the banking trade as a whole , many scholars advocate vigorous development of individually - run banks in China, which is echoed, from the private entrepreneurs. While individually - run banks do have their advantages and have something for the state - owned banks to learn from, it is to be analyzed whether vigorous development of individually -run banks in China is necessary and feasible in the specific condition of China. This paper argues that caution should be practiced in this respect.

关 键 词：民营银行 道德风险 新巴塞尔协议 存款保险制度 

分 类 号：F830[经济管理—金融学]