浅析我国民营银行的发展

长期以来,我国一直排斥民营资本进入金融市场。这一垄断性金融制度安排,在改革初期对经济增长起到了推动作用,但是随着改革的进行,这一安排所带来的弊端日趋严重,已经无法继续按原有模式为经济发展提供支持。我国加入WTO后,必然会在金融领域中遇到外资银行的强烈挑战,在对外开放金融业之前,也应实现对内开放,允许民营资本进入金融领域,发展民营银行。

The Development of Chinese Non- governmental Banks

Our country has been restricting the private capital to enter financial market. This monopoly finance system use to stimulate the economic growth at the initial stage of the reform. With the proceeding of reform, the drawback in this anangement has become more serious. It has already failed to continue offering supports to the economic development according as it did. China will inevitablely meet the strong challenges of the foreign capitals bank in the financial field after joined the WTO. Before the financial industry opened to the outside world, China should open the internal market at first, and accept private capital in finance field, also develop non- governmental banks.