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据统计,截至去年6月底,我国中小商业银行的资产总额、存款总额和贷款总额已分别占全国商业银行的两成以上。中小商业银行的发展促进了银行业间的竞争,推动了中小企业和民营经济的发展,促进了现有银行的改革和现代银行制度的建立。央行已明确表示将支持中小商业银行引进民间资本甚至外资来增强中小商业银行的资本实力。党的十六大结束后,戴相龙亲自主持的温州民间金融试点框架方案就明确提出,要把吸引民间资本改造中小商业银行,将中小股份制商业银行做大做强;同时吸引民间资金、更多的农民入股农村信用社,积极探索将有条件的农村信用社发展成农村商业银行。而鼓励民间资本参与地方金融体制改革的政策建议是:
According to statistics, as of the end of June last year, the total assets, total deposits and total loans of China’s small and medium-sized commercial banks have respectively accounted for more than 20% of the national commercial banks. The development of small and medium-sized commercial banks has promoted the competition among banking sectors, promoted the development of small and medium-sized enterprises and the private economy, promoted the reform of existing banks and the establishment of a modern banking system. The central bank has made it clear that it will support small and medium-sized commercial banks to introduce private capital or even foreign capital to enhance the capital strength of small and medium-sized commercial banks. After the end of the 16th CPC National Congress, the program of the pilot program of private finance in Wenzhou personally conducted by Dai Xianglong explicitly put forward the proposal of attracting private capital to transform small and medium-sized commercial banks into small and medium-sized commercial banks; at the same time, attracting private funds and more Farmers join Rural Credit Cooperatives and actively explore the development of qualified rural credit cooperatives into rural commercial banks. And encourage private capital to participate in the reform of local financial system policy recommendations are: