发展民营银行需慎行

民营银行在我国已不是一个新的话题，针对民营企业融资困难，国有银行存在的弊端以及我国整个银行业的状况，许多学者提出在我国大力发展民营银行，许多民营企业家也积极宣扬建立民营银行。民营银行确有其自身的优势，有值得国有银行借鉴的地方，但是我们还要冷静去分析大力发展民营银行是否有必要，是否符合我国当前的实际状况。笔者认为，目前在我国发展民营银行还需慎行。

CAUTION IS TO BE PRACTICED IN THE DEVELOPMENT OF INDIVIDUALLY -RUN BANKS IN CHINA

Individually - run bank is no longer a new topic in China. Owing to the constraints that private companies face in financing, the defects of state - owned banks and the present situation of the banking trade as a whole , many scholars advocate vigorous development of individually - run banks in China, which is echoed, from the private entrepreneurs. While individually - run banks do have their advantages and have something for the state - owned banks to learn from, it is to be analyzed whether vigorous development of individually -run banks in China is necessary and feasible in the specific condition of China. This paper argues that caution should be practiced in this respect.