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《国务院关于鼓励和引导民间投资健康发展的若干意见》(以下简称“新36条”)出台已有两年之久,但由于配套措施缺失,民间资本投资依旧面临诸多障碍。日前,银监会出台了《关于鼓励和引导民间资本进入银行业的实施意见》(以下简称《意见》),针对民间资本进入金融领域的问题提出了具体的实施举措,将对村镇银行的发展产生重要的推动作用。《意见》指出,“支持民营企业参与村镇银行发起设立或增资扩股,村镇银行主发起行的最低持股比例由20%降低为15%”。在此之前,民间资本进入金融领域普遍面临“玻璃门”的障碍,其根源之一便是民间资本所面临的限制是看不见摸不着的,因而设立清晰化和高透明的进入标准对民间资本而言十分重要。通过降低主发起行的最低持股
Several years ago the “State Council issued a number of opinions on encouraging and guiding the healthy development of non-government investment” (hereinafter referred to as the “new 36”), but due to the lack of supporting measures, private capital investment still faces many obstacles. Recently, China Banking Regulatory Commission (CBRC) promulgated the Opinions on Encouraging and Guiding Private Capital into the Banking Industry (hereinafter referred to as “Opinions”) and put forward specific implementation measures for the issue of private capital into the financial sector, which will have an important impact on the development of rural banks The role of promotion. According to the Opinion, “support for private-owned enterprises to participate in the establishment of rural banks or increase their shareholding and increase the minimum proportion of shares held by the main sponsors of rural banks from 20% to 15%.” Prior to this, one of the root causes of the non-governmental capital’s entry into the financial sector was the “glass door.” One of the root causes of this is that the private capital constraints are invisible. Therefore, a clear and highly transparent entry standard should be established Private capital is very important. By lowering the minimum ownership of the main sponsor