摘要
中小银行混改是中国特色金融之路的制度创新,是民营资本布局金融领域的主要方式,也是当下困扰中小银行发展的历史原因。金融强国建设背景下,中小银行亟需深化防风险促增长的改革。本文基于中小银行混改的基本事实和制度特征,系统全面总结了民营资本参与城商行股权改制的现实逻辑与动因、主要表现和经验,从融资便利、追求超额利润、监管套利和友好型公司治理等方面解释了中小银行混改的内在逻辑,借鉴美国、日本等发达国家的银行股权管理经验,从外部监管、内部治理等方面提出了优化中小银行民营股权管理的对策建议。
Mixed ownership reform in small and medium-sized banks(SMBs)represents an institutional inno⁃vation along China's distinctive path of financial development.It is the main way for private capital to enter the fi⁃nancial sector and also the historical reason that currently hinders the development of small and medium-sized banks.Against the backdrop of building a financial powerhouse,SMBs urgently need to deepen reforms that bal⁃ance risk prevention with growth promotion.Based on the basic facts and institutional characteristics of mixed own⁃ership reform in SMBs,this paper systematically and comprehensively summarizes the practical logic and motives,main manifestations,and experiences of private capital participation in the equity restructuring of city commercial banks.It explains the internal logic of mixed ownership reform in SMBs from the perspectives of financing conve⁃nience,pursuit of excess profits,regulatory arbitrage,and friendly corporate governance.Drawing insights from successful bank ownership management practices in developed economies like the United States and Japan,the pa⁃per proposes countermeasures to optimize private equity management in SMBs,covering both external regulatory frameworks and internal governance mechanisms.
作者
罗仪
许坤
薛寒忆
Luo Yi;Xu Kun;Xue Hanyi
出处
《西南金融》
北大核心
2025年第7期75-86,共12页
Southwest Finance
基金
教育部人文社科后期资助项目“以民营资本发展促中小金融机构安全”(批准号:24JHQ078)。
关键词
中小银行
混合所有制改革
民营资本
城商银行
股权管理
关联交易
公司治理
金融强国
Small and medium-sized banks
mixed ownership reform
private capital
city commercial banks
equity management
related party transactions
corporate governance
financial powerhouse
