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改革开放以来,中国民营经济迅速发展。民营企业的壮大促进了我国经济的发展,提高了人民的收入。但是,近年来民营企业遭遇了发展瓶颈。一方面,中小企业融资难,极大地阻碍了其自身发展。另一方面,民间资本又面临投资无门的窘境。现有的金融机构青睐于国有大中型企业,民营企业无法从正规渠道获得银行贷款。于是,地下钱庄、民间借贷层出不穷。因此,应该变革现有的金融体制,引导民间资本进入银行业,以满足现有的金融需求。民营银行是金融界与金融法学界的热点问题。引进民营资本进入银行业,
Since the reform and opening up, China’s private economy has developed rapidly. The growth of private enterprises has promoted the economic development of our country and raised the people’s income. However, private enterprises have encountered bottlenecks in their development in recent years. On the one hand, the difficulty of SME financing greatly hindered its own development. On the other hand, private capital is facing the dilemma of investment. Existing financial institutions favor state-owned large and medium-sized enterprises, private enterprises can not get bank loans from the formal channels. As a result, underground banks, non-governmental borrowing one after another. Therefore, we should change the existing financial system and guide private capital into the banking sector to meet the existing financial needs. Private banks are hot issues in the financial and legal circles of finance. The introduction of private capital into the banking industry,