中国流通经济
中國流通經濟
중국류통경제
China Business and Market
2014年
7期
116~121
,共null页
台湾地区 民营银行 金融改革
檯灣地區 民營銀行 金融改革
태만지구 민영은행 금융개혁
Taiwan; private bank; red sea risk; financial reform
开放民营银行是金融改革的重要一环，有利于优化金融资源配置，提高金融服务质量，推进金融包容性增长。我国台湾地区民营银行从金融自由化之后的银行过度到激烈竞争之下的兼并收购，从生存岌岌可危到蜕变之后成为重要金融机构，其关键在于树立正确的经营理念、防范关联授信风险、放松管制的同时加强监管。我国在民营银行发展中，应设计特别监管、多级持牌制度；设置企业与银行间风险隔离，防范关联交易风险；尽快建立银行退出机制和存款保险制度。
開放民營銀行是金融改革的重要一環，有利于優化金融資源配置，提高金融服務質量，推進金融包容性增長。我國檯灣地區民營銀行從金融自由化之後的銀行過度到激烈競爭之下的兼併收購，從生存岌岌可危到蛻變之後成為重要金融機構，其關鍵在于樹立正確的經營理唸、防範關聯授信風險、放鬆管製的同時加彊鑑管。我國在民營銀行髮展中，應設計特彆鑑管、多級持牌製度；設置企業與銀行間風險隔離，防範關聯交易風險；儘快建立銀行退齣機製和存款保險製度。
개방민영은행시금융개혁적중요일배，유리우우화금융자원배치，제고금융복무질량，추진금융포용성증장。아국태만지구민영은행종금융자유화지후적은행과도도격렬경쟁지하적겸병수구，종생존급급가위도세변지후성위중요금융궤구，기관건재우수립정학적경영이념、방범관련수신풍험、방송관제적동시가강감관。아국재민영은행발전중，응설계특별감관、다급지패제도；설치기업여은행간풍험격리，방범관련교역풍험；진쾌건립은행퇴출궤제화존관보험제도。
The opening up of private banks is an important step of financial reform： it is beneficial to the optimization of financial resources allocation, the improvement of financial service quality, and the promotion of financial inclusive growth. Reviewing the development of private banks in Taiwan, from over-banking after financial liberalization to the mergers and acquisitions under intense competition, from surviving the jeopardy to becoming important financial institutions, the key is to establish the correct business philosophy, prevent related credit risk, and strengthen supervision combining with relaxing control. In developing private banks in mainland China, we should design special supervision and multistage licensing mechanism, separate the risk of enterprises from that of banks and prevent risks of related transaction, and formulate the exit mechanism and deposit insurance system as soon as oossible.
