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在银行业整体范围内,鉴于民间资本的信用风险及其风险转嫁、关联贷款风险、产融结合潜伏的巨大风险等因素,确应对成立完全民营化的银行予以谨慎对待。但对于设立于金融服务远远供不应求的农村地区的村镇银行,应放开民间资本投资比例限制,实现村镇银行的完全民有民营化。对村镇银行完全民营化后所产生的问题,如村镇银行投资人甄选、村镇银行人才瓶颈与运营专业化及完全民营化后的风险问题,也应构建相应的制度予以完善。
In the overall banking sector, given the factors such as the credit risk of private capital and the transfer of risk, the risk of related loans and the huge potential risks arising from the combination of industry and finance, we should treat the establishment of fully privatized banks with caution. However, for rural banks set up in rural areas far beyond supply for financial services, the ratio of non-governmental capital investment should be liberalized and the private-owned privatization of rural banks should be fully realized. The problems arising from the complete privatization of rural banks, such as the selection of investors in village and town banks, the bottlenecks of talent in village and town banks, the professionalization of operations and the risks after complete privatization, should also be set up with corresponding systems to be perfected.