民间资本控股村镇银行:逻辑证成与法律规制

发布时间：2018-06-25 05:19

本文选题：村镇银行 + 民营化　；参考：《法学评论》2012年06期

【摘要】：吴英案是民间资本渴求和国家垄断资本供给体制冲突的尖锐化和公开化,监管层再度以血祭旗以儆效尤的努力注定是徒劳,破除银行业的国家垄断,允许民间资本控股银行才是治本之道,而村镇银行则是民营银行推出的最佳载体,废除主发起银行制度,允许民间资本控股村镇银行势在必行。曾在我国近代金融史上留下浓墨重彩的票号和民国私营银行,向后人昭示民间资本完全可以将银行业经营得风生水起。重拾"以义制利"的传统商业伦理,构建合理集中的股权结构,对股东道德风险与关联交易进行直接严苛规制,慎选职业掌舵者与用人管理体制,先行推出利率市场化与存款保险制度是民间资本控股村镇银行后稳健前行的制度保障。
[Abstract]:The Wu Ying case is a sharp and open conflict between the private capital craving and the state monopoly capital supply system. The efforts of the regulators to make an example by offering blood again are bound to be futile and to break the state monopoly of the banking industry. Allowing private capital holding banks is the only way to cure the root cause, and village banks is the best carrier of private banks. It is imperative to abolish the main initiated banking system and allow private capital to hold village banks. In the modern financial history of our country, the ticket names and the private banks of the Republic of China have been left behind, which shows that the folk capital can completely make the banking industry run in the wind and water. To re-establish the traditional business ethics of "using justice to control profits", to construct a reasonable and centralized ownership structure, to regulate shareholders' moral hazard and related party transactions directly and strictly, and to carefully select the professional leaders and personnel management system. The marketization of interest rate and deposit insurance system are the guarantee of the steady advance after the folk capital holding the village bank.
【作者单位】：山东大学法学院;
【基金】：2012年山东大学自主创新基金(人文社科专项)“国际板投资者法律保护机制构建研究”的阶段性成果
【分类号】：F832.35;F276.5;D922.28

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