普惠金融视角下民营银行发展：理念、困境与建议

Abstract

党的十八届三中全会首次提出“发展普惠金融”的理念，这是一种战略选择，也是基于我国金融业改革发展的现实要求，我国金融业迎来了新的发展机遇，同时也面临更深层的改革和转型。我国民营银行在发展初期，自身也存在的诸多问题和制度障碍，表现为出其难以树立良好信用、缺乏专业经营，人才缺乏、抵御风险能力较弱、业务经营范围受限制，同质化竞争严重等方面。本文遵循十八届五中全会提出“创新、协调、绿色、开放、共享”的新发展理念，扶持民营银行发展，加快我国银行业向多元化、市场化、专业化发展，以实现构建普惠金融的制度目标。 The Third Plenary Session of the 18th Central Committee of the Party puts forward the idea of “developing Pratt & Whitney Finance” for the first time. This is a strategic choice. Based on the reality of China’s financial industry reform and development, China’s financial industry has new development opportunities and also faces a deeper reform and transformation. China’s private banks are in the early stages of development. There are many problems and institutional barriers. It is difficult to establish a good credit, lacks professional management, lacks talents and has a weak ability to resist risks. Business scope is limited. The paper follows the new ideas of “innovation, harmonization, green, open and sharing” put forward in the 18 fifth plenary session, supports the development of private banks, and accelerates the diversification, marketization and specialization of China’s banking industry in order to achieve the goal of establishing the Pratt & Whitney financial system.