民间金融服务机构向民营银行转变的模式与路径——以民间金融制度创新下的并轨发展为背景

发布时间：2018-11-14 20:03

【摘要】：近些年,以民间金融服务机构与民营银行作为典型代表的民间资本参与金融市场活动的积极性和广泛性日益加深,这为我国民间金融制度创新下市场主体的多元发展提供了成熟的市场背景。然而从实践上看,发展成熟的民间金融主体之间的转型发展并未取得良好效果。以民间金融服务机构向民营银行的转型为例,在总结域外民间金融服务机构向民营银行转型路径的基础上,立足本国实际情况,提出并分析我国民间金融服务机构向民营银行转型中应当明确转型条件的适用,从主体确立、市场选择、危机应急、监管主体、市场约束等角度明确转型内外部保障机制,注重业务转型过程中法制化的作用。
[Abstract]:In recent years, the private capital, which is represented by private financial service institutions and private banks, has become more and more active and extensive in participating in financial market activities. This provides a mature market background for the diversified development of market subject under the innovation of folk financial system. However, from the practical point of view, the transformation and development between the mature private financial subjects has not achieved good results. Taking the transition from private financial service institution to private bank as an example, based on the summary of the transition path from non-government financial service institution to private bank, the paper bases itself on the actual situation of our country. This paper puts forward and analyzes the application of the transition conditions in the transition from the private financial service institutions to the private banks, and clarifies the internal and external guarantee mechanism of the transition from the perspectives of the establishment of the main body, the choice of the market, the emergency of the crisis, the subject of supervision and the restriction of the market. Pay attention to the role of legalization in the process of business transformation.
【作者单位】：安徽财经大学商学院;安徽财经大学金融学院;
【基金】：国家自然科学基金项目“面向交易和服务过程的民营中小型银行经营模式及相关政策研究”(71403001)的研究成果之一
【分类号】：F832.3

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