管制、竞争与民营银行的发展  

The Regulation,Competition and Development of Private Banks

作　　者：徐英富[1] 

机构地区：[1]安徽财经大学商学院,安徽蚌埠233041

出　　处：《技术经济》2006年第9期110-114,共5页Journal of Technology Economics

摘　　要：金融深化的基础是管制与竞争的均衡。计划体制下,国家对金融业一直采取国有控股或国家垄断,因而产生民营银行压抑现象。市场化改革显化了金融制度与经济制度的摩擦,因而民营银行发展在金融深化中具有现实性,也是金融基础设施建设的重要组成。从竞争的角度看,放松民营银行进入壁垒,有助于金融业适度竞争,同时也是国有银行改革的重要组成部分。当然,金融本身的脆弱性说明银行民营化过程也是管制重建的过程。Financial deepening is based on the equilibrium between regulation and competition. Under planned economic system, the government controds financial system, and couses private governed bank repression. The market economy reform enforce conflict about financial system to economic in stituion. Develop private bank is combined with financial deepening, also to perfect the financial infrastructure. In view of competition,prlvate banking cau be more＇ cnmpetive in financial system,and be helpful for the reform of state ownship banks . No doubt, financial fragility means that the entering of private bank need restructure financial regulation.

关 键 词：民营银行 金融深化 适度竞争 管制重建 

分 类 号：F832.2[经济管理—金融学]