摘要
由于民营银行所有制歧视存在,使得我国的金融体系不健全。民营银行的缺位,国有银行占据垄断地位及国有银行贷款对象有所有制偏好,非公有制经济尤其是中小企业难以从国有银行取得发展所需的贷款,导致金融资源配置低效,对国民经济造成损失。解决民营银行所有制歧视给国民经济所带来的低效,发展民营银行是必然选择。发展民营银行最大的问题就是其风险问题,为此,要建立起有效的风险防范机制,尤其是加强监管,规范其发展。
The financial system is distempered because of ownership discrimination at the privately-run banks. The privately-run banks combined with monopoly of state-owned banks make it difficult for the non-publicly owned businesses to obtained loans needed. Inefficiency in the allocation of financial resources thus results, which stands a loss to the national economy as a whole. In order to overcome this defect, privately-run banking must be developed, and at the same time, effective risk aversion mechanism and supervision system must be given due importance.
