民间资本进入银行业通常有两种途径,一是参与发起设立一家新银行,二是入股或参与重组已有银行。实践中越来越多的民间资本从战略角度考虑,希望以第一种方式进入银行业。2013年7月初,国务院办公厅也提出了“尝试由民间资本发起、设立自担风险的民营银行”的指示精神。改革开放后 Private capital into the banking industry usually have two ways, one is involved in initiating the establishment of a new bank, the second is to join the bank or reorganization of existing banks. In practice, more and more private capital is strategically considered, hoping to enter the banking industry in the first way. In early July 2013, the General Office of the State Council also put forward the directive of “trying private capital initiated by private capital and establishing a private bank at its own risk”. After the reform and opening up