【作者】 张巍；

【导师】 杨大光；

【作者基本信息】 东北师范大学 ， 金融学， 2006， 硕士

【摘要】 金融是一个国家经济的核心,我国在加入WTO以后,金融业也进一步与世界接轨,融入金融全球化进程。我国2006年年底,国内的金融市场将全面对外开放,这将给我国的金融业带来前所未有的冲击。面对压力与挑战,我们要未雨绸缪,加速我国的金融体制改革,在对外开放金融之前实现对内开放。国有银行的改革日益被提上议程,但是长期以来的金融业的垄断格局使改革举步维艰。在这种形式之下,金融业的制度创新己势在必行。民营银行,作为一种新事物,逐渐进入人们的视野,成为人们研究的对象。民生银行和台州市商业银行的发展更是为民营银行的发展提供了现实的参考与借鉴。国际上,民营银行的发展已经是一种趋势。一些国家民营银行失败的经验教训也可以使我国在发展民民营银行的发展有着很重要的现实意义,它可以打破国有银行的垄断局面,完善金融体系,深化金融改革,使资源得到有效的配置。“竞争出效率”,通过加强金融领域的竞争,可以提高我国银行业的整体效率。面对外资银行对我国银行业的挑战,民营银行也可以起到缓冲的作用,占据一定的市场份额。民营银行的自身特点对解决民营中小企业在发展过程中遇到的融资瓶颈也有很大的帮助。同时还可以规范在我国长期存在的“地下金融”,消除其在经济发展中造成的不良影响。众多的经济学理论也可以证明民营银行在我国是有着深厚的发展土壤的。营银行的道路上少走弯路。我国民营银行目前还没有大规模的发展起来,因为还存在着一定的障碍。通过市场准入和退出机制,存款保险制度等的建立和完善,将规避民营银行的风险,民营银必将迅速发展起来,并带动我国整个金融业的发展。更多还原

【Abstract】 The finance is the core of economy ,with the join of WTO, the financial industry is also further to be in line with world, melting into the financial globalization progress. At the end of 2006, the local financial market will open to the world completely, this will bring the unprecedented impact to our country .In present circumstances , we must accelerate the reform process of financial system ,opening in before opening outward. The reform of the state-owned bank was increasingly lift up the agenda, but the monopolization of the finance for long time makes the reform beset with difficulties. Under this situation, the financial system innovation is necessary. The civilian bank becomes the object of the research.The civilian bank has its existent necessity and rationality. It can break up the monopolization of the state-owned bank, make finance system perfect, and resources get install effectively.“Compete make efficiency", competition will raise whole efficiency of the banking .Face the foreign bank’s challenge , the civilian bank can also rise the function of buffer, occupying the certain market quota. The article also analyzed the difficult reasons of small and medium business enterprises’financing, and thought that developing the civilian bank is an important path in solution. At the same time can also with the norm is in " the underground finance", remove its bad influence result in economic development. Numerous economics theories can also prove that the civilian bank has the deep development soil in our country. For example , the Minsheng commercial bank and Taizhou commercial bank. In the world, the development of civilian bank has been a tendency. Some failure precepts of other countries can also make our little walk at the time of developing the civilian bank. The civilian bank has not develop large-scalely currently in our country, the article opened out some problems that opening the civilian bank. Train of thought along the question, article proposes that the government should improve and complete monetary system for the civilian bank in market access, market supervisory, market withdraw, the foundation of the deposit insurance unit and etc. All of these will avoid the risk of the civilian bank. Then the civilian bank will develop quickly, and arouse the whole development of financial industry of our country.更多还原