我国民营银行市场准入问题初探

【摘要】 为维持体制内的增长,政府实行了垄断性金融制度安排。这一安排在改革初期对经济增长起到了推进作用。但随着时间的推移,其边际成本已经超过了边际收益,加之我国已加入WTO,银行业向民营资本开放的时机已经成熟。现在重要的是设计好民营银行的经营框架,主要包括地区选择、资本结构和分级管理三个方面。更多还原

【Abstract】 In order to maintain the increase within th e system,the government carr ies our monopolistic financial system arrangement.This arrangement promoted the economic increase in the initial stages of the reform.But with time passing by,i ts marginal cost exceeds its marginal profit.In addition.our nation has entered WTO,therefore,the opportunity for the banks to open to civil capitals matures.Wh at’s important is to speculate the skeleton of civil-operated banks,mainly inc luding the selection of region,capital structure,and graded management.更多还原