民营银行市场准入的时机及其框架设计

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。现在重要的是做好民营银行的框架设计规定，其主要内容包括地区选择、资本结构和分级管理三个方面。

Market Access for Private Banks in China:Opportunity & Framework Design

To maintain the economic growth inside the existing institution,the Chinese government has carried out the arrangement of monopolistic financial institution,which has indeed promoted the economic growth during the initial period of the reform program.But with the passage of time ,the marginal cost of this arrangement has outgrown its marginal revenue.Moreover,China's entry into the WTO has ripened the opportunity to open its financial market to private capital.At present,focus should be put on the framework design for private banks,which includes area selection,capital structure and management at different levels.