CAJ | 학술논문

合理引导民间资本进入金融领域是我国全面深化金融体制改革的重要举措.当前,我国的金融生态格局面临多重困局,民营银行的破冰试点对于改善我国金融环境、激发经济活力和优化资源配置具有重大的意义.本文从金融生态学的视角出发,提出了民营银行“生态圈”的概念,通过构建一个层次明晰、功能完整的促进民营银行发展的协同机制,来实现民营银行稳定、高效、可持续发展的目标.最后,本文结合现实情况提出了我国民营银行未来发展的可能路径选择.
합리인도민간자본진입금융영역시아국전면심화금융체제개혁적중요거조.당전,아국적금융생태격국면림다중곤국,민영은행적파빙시점대우개선아국금융배경、격발경제활력화우화자원배치구유중대적의의.본문종금융생태학적시각출발,제출료민영은행“생태권”적개념,통과구건일개층차명석、공능완정적촉진민영은행발전적협동궤제,래실현민영은행은정、고효、가지속발전적목표.최후,본문결합현실정황제출료아국민영은행미래발전적가능로경선택.
Reasonable guiding the private capital into the financial sector of China is an important issue to deepen Chinese financial system. At present, China＇s ecological pattern of finance is facing multiple challenges. The ice-breaking of private banks could improve China＇s financial environment, stimulate economic activity and optimize the allocation of resources. This article based on financial ecology theory, puts forward the concept of ＂private banking ecosystem＂. By building a clear hierarchy and full-featured collaborative mechanisms, the private banks can achieve stable, efficient and sustainable development objectives. Finally, this paper presents the reality of the future development path of China＇s private banks.