浅议我国民营银行的发展

国有银行有力地支持了国家经济的增长,但是国家垄断性的金融制度也为此付出了巨大控制成本,导致银行信贷资金配置效率低下。民间金融可以作为金融市场化以后农村地区和中小企业融资的主要渠道。要正确引导、规范和利用民间金融,为民间借贷构筑一个合法的流动平台,规范、约束和保证民间借贷行为,解决国有银行垄断及金融结构的畸形问题,以降低我国金融体系的整体风险。

Shallow Discuss the Development of Private Bank in our Country

State-owned banks have supported the increase of national economy strongly.However the financial system arranged by state monopoly has paid out huge control cost and caused the low efficiency of credit fund disposition.The private banking can become the major financing channel for rural region medium businesses after being financial marketization.Should correctly guide,normalize and use nongovernmental finance.Then build a legal floating platform for that folk debit and credit.And then normalize,restrain and guarantee this behavior.Solve the monopoly of state-owned bank and lopsided problem of financial structure in order to reduce the overall risk of the financial system in our country.