民营资本进入银行业——结构改造还是产权改造  

Private Capital Joining the Banking System: Reconstruction of Structure or Proprietorship

作　　者：杨晓光[1] 卢授永[1] 

机构地区：[1]南京大学金融学系,江苏南京市210093

出　　处：《金融研究》2003年第9期99-106,共8页Journal of Financial Research

摘　　要：民营资本进入银行业可以通过创建新的民营银行的方式对现有银行体系的结构进行改革。但是银行业具有风险特殊性,同时民营资本的进入还可能进一步导致政治风险和国有银行体系风险的总爆发;银行业更为集中的行业结构也使得民营银行主体的增加未必能带来效率的提高。民营资本进入的另一模式是参与以国有独资银行为主体的现有银行体系的产权改造,这是提高国有银行资本充足率、解决坏帐问题、推进改革深化的必然选择。在加入WTO的大背景下,改革的时机已到;国有控股的地位能够起到积极作用;只要改革得当,现有体系能够为中小企业融资提供必要的金融支持。因此民营资本以产权改造的方式进入银行业应作为目前改革的首选方式。Private capital can restructure existing banking system by building up a new private-governed bank system. The banking system, however, runs special risk. Meanwhile, the entering of private capital may further cause the risks of politics and national banking system to flare up. In the banking system, which is comparatively more centralized than other fields, the increase of private-governed banks cannot necessarily warrant the increase of efficiency. Another way is to take part in the reconstruction of proprietorship of the existing banking system dominated by state capital, which is necessitated by the need to ensure adequate capital of the national banks, to solve the bad debts and to further the innovation. With China' s entry into WTO, the opportunity to innovate is ripe. State capital can function positively and the existing system is capable to provide financial support to financing of small and medium-sized enterprises. Therefore, it is the best choice of the current reform for private capital to enter the banking system by means of proprietorship reconstruction.

关 键 词：民营资本 结构改造 产权改造 中小企业融资 

分 类 号：F832[经济管理—金融学]