开放民营银行是金融改革的重要一环，有利于优化金融资源配置，提高金融服务质量，推进金融包容性增长。我国台湾地区民营银行从金融自由化之后的银行过度到激烈竞争之下的兼并收购，从生存岌岌可危到蜕变之后成为重要金融机构，其关键在于树立正确的经营理念、防范关联授信风险、放松管制的同时加强监管。我国在民营银行发展中，应设计特别监管、多级持牌制度；设置企业与银行间风险隔离，防范关联交易风险；尽快建立银行退出机制和存款保险制度。%The opening up of private banks is an important step of financial reform; it is beneficial to the optimization of financial resources allocation, the improvement of financial service quality, and the promotion of financial inclusive growth. Reviewing the development of private banks in Taiwan, from over-banking after financial liberalization to the mergers and acquisitions under intense competition, from surviving the jeopardy to becoming important financial institutions, the key is to establish the correct business philosophy, prevent related credit risk, and strengthen supervision combining with relaxing control. In developing private banks in mainland China, we should design special supervision and multistage licensing mechanism, separate the risk of enterprises from that of banks and prevent risks of related transaction, and formulate the exit mechanism and deposit insurance system as soon as possible.
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