开放民间资本创办民资主体中小银行刍议——以泰隆银行为个案

发布时间：2018-05-11 02:02

本文选题：民间资本 + 中小银行　；参考：《现代经济探讨》2010年12期

【摘要】：2010年5月7日发布的《国务院关于鼓励和引导民间投资健康发展的若干意见》(亦称新三十六条)指出:"允许民间资本兴办金融机构。在加强有效监管、促进规范经营、防范金融风险的前提下,放宽对金融机构的股比限制。支持民间资本以入股方式参与商业银行的增资扩股,参与农村信用社、城市信用社的改制工作。鼓励民间资本发起或参与设立村镇银行、贷款公司、农村资金互助社等金融机构,放宽村镇银行或社区银行中法人银行最低出资比例的限制。"该文针对这一指导意见,总结已有的以民间资本为主体的中小银行的科学发展经验,并结合自身的实践,提出7条措施建议,为有关决策者提供参考。
[Abstract]:The State Council's opinions on encouraging and guiding the healthy Development of Private Investment (also known as New 36) published on May 7, 2010, point out: "Private capital is allowed to set up financial institutions. On the premise of strengthening effective supervision, promoting standardized operation and preventing financial risks, the restrictions on the share ratio of financial institutions are relaxed. To support the private capital to participate in the expansion of capital and shares of commercial banks, to participate in the reform of rural credit cooperatives and urban credit cooperatives. Private capital is encouraged to initiate or participate in the establishment of financial institutions such as village banks, loan companies, rural mutual aid unions, and so on, and to relax the restrictions on the minimum proportion of capital contributed by legal person banks in village and town banks or community banks. " In view of this guidance, this paper summarizes the scientific development experience of small and medium-sized banks with private capital as the main body, and combines with their own practice, puts forward seven measures to provide reference for relevant decision makers.
【作者单位】：浙江泰隆商业银行;
【基金】：第45批中国博士后基金资助项目《中国金融控股公司交叉销售研究》(项目编号:20090450684)的研究成果之一
【分类号】：F832.2

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