论发展我国民营金融的对策

世界各国金融发展的历史表明，发展民营金融是必然的选择。我国民营金融资本已经进入了金融业的各个领域。发展我国民营金融是现有金融体制改革和战略调整的需要。因此，我国应制定相应的法律法规、提高行业准入条件，强化对民营金融机构的营运监管，实行存款保险制度，建立有效的退出机制，以逐步发展民营金融。

On the Strategies for the Development of Private Finance

The history of the global financial development demonstrates that the private finance is one of the rational and indispensable developing strategies. In China, the capital funds of private finance have been flowing in the varied areas of the financial industry. The development of private finance is to meet the need of the financial systemic innovations and the strategical adjustment. Therefore, we must establish corresponding laws and regulations, and implement stringent approach to the chartering of private banks; strengthen the constant supervision on the operations of the private financial sectors; possess a savings insurance system; and establish effective exit system of civilian banks and etc to deepen the development of the private finance.