民营银行"所有制歧视"的经济低效分析及思考

民营银行所有制歧视的存在，使得我国的金融体系不健全。民营银行的缺位，国有银行占据垄断地位及国有银行贷款对象有所有制偏好，非公有制经济尤其是中小企业难以从国有银行取得发展所需的贷款，导致金融资源配置低效，对国民经济造成损失。解决民营银行所有制歧视给国民经济所带来的低效，发展民营银行是必然选择。发展民营银行最大的问题就是其风险问题。为此，要建立起有效的风险防范机制，尤其是加强监管，规范其发展。

Analysis of Inefficiency from Prejudice Against Private-Owned Banks

The monetary system in China is not well perfected because of prejudice against private-owned banks. Lack of private-owned banks, market monopoly andstate-owned banks' preference to its ownership, esp. medium/small-sized enterprises facing the problem of failing to get loans from the state-owned banks to meet their demands. All lead to the inefficiency in the allocation of financial resources. It is a must to develop the private-owned banks so as to find proper solutions to the problem of inefficiency. The biggest challenge is risk. Therefore,it is urgent to set up an effective system against risks, esp. by strengtheningits supervision and management and by regulating its development.