摘要
凡是对外资开放的领域都要对开放 ,中国银行业的改革走到今天也需要的积极介入。介入的模式之一是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 ;银行业的行业结构较一般行业更为集中 ,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。
Private capical can reconstruct the existing banking system with new private-governed banks built to participate the banking reform. The banking system, however, runs special risks. And also 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 omparatively 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.
出处
《财经科学》
CSSCI
北大核心
2003年第4期1-5,共5页
Finance & Economics
关键词
民营资本
结构改造
产权改造
中小企业融资
(Private Capital)
(Structure Reform)
(Property Right Reform)
(Small-and-Medium Enterprises Financing)
