民营银行:发展障碍及其法律对策——以民营银行开闸为时代背景

发布时间：2018-08-19 18:46

【摘要】：国务院"金融十条"的发布、十八届三中全会再次明确允许和国内众多企业巨头纷纷申请开办民营银行的现实昭示民营银行即将走进现实。然而"半民营化"的村镇银行发展中遭遇的一系列困境显示了民营银行发展道路的艰难。公众信任疑虑及其衍生的经营困境,竞争力与生存空间严峻,规模小抗风险能力差破产率高,关联贷款易高发且相关法律缺位是民营银行发展所面临的的进路障碍。要从法律制度上克服这些困境必须缓步放开民营银行的设立,明确投资股东甄选机制,提高民营银行注册资本门槛,将其定位于大型银行,构建合理的股权构架,严苛规制关联贷款,引进民营银行股东加重责任,构建利率市场化和存款保险等配套制度,并尽快出台专门立法。
[Abstract]:With the release of the "Ten Financial rules" of the State Council, the third Plenary session of the 18th CPC Central Committee once again explicitly allowed and many domestic enterprise giants applied for the establishment of private banks one after another, indicating that private banks are about to enter the reality. However, a series of difficulties encountered in the development of semi-privatized village banks show the difficulties in the development of private banks. Public trust and misgivings and its derived management dilemma, severe competitiveness and survival space, low risk tolerance, high bankruptcy rate, high incidence of related loans and lack of relevant laws are the obstacles to the development of private banks. To overcome these difficulties from the legal system, we must slowly liberalize the establishment of private banks, define the selection mechanism of investment shareholders, raise the threshold of registered capital of private banks, position them at large banks, and construct a reasonable equity structure. Strict regulation of related loans, introduction of private bank shareholders to increase their responsibilities, the construction of interest rate marketization and deposit insurance and other supporting systems, and the introduction of special legislation as soon as possible.
【作者单位】：山东大学法学院;
【基金】：2013年教育部青年基金项目《民间资本控股村镇银行:理论求证、衍生风险与法律规制》(13YJC820004) 山东省社科规划项目《山东省民间资本投资村镇银行比例、衍生风险与风险防控措施现状调研——以民营银行开闸为时代背景》(13CDYJ01)的阶段性成果
【分类号】：F832.3;D922.281

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