【正文】 作者簡介(3) 對內(nèi)開放民營銀行的戰(zhàn)略意義是什么？.....徐滇慶，鄭玉歆(7) 為什么說民營銀行的出現(xiàn)有利于培養(yǎng)中國的金融家？.....徐滇慶，鄭玉歆(11)老百姓會相信民營銀行嗎？.....徐滇慶，姚洋(14)為什么說中小企業(yè)在中國經(jīng)濟發(fā)展中起到?jīng)Q定性的作用？.....林毅夫(18)為什么發(fā)行股票或債權(quán)的融資方式在大多數(shù)情況下并不適合中小企業(yè)？..... 林毅夫(22)為什么說當前中國金融結(jié)構(gòu)的變遷決定了必須大力發(fā)展民營銀行？.....巴曙松(25)為什么在銀行有大量存差的同時又存在著中小企業(yè)貸款難的問題？......林毅夫，陳平(29)支持中小企業(yè)的金融體系應(yīng)該包括什么內(nèi)容？......林毅夫(32)什么是發(fā)展民營銀行的基本思路？......張新，王一文(36)政府在發(fā)展民營銀行的過程中應(yīng)當扮演什么角色？......史晉川(40)為什么股份制銀行并不一定保證現(xiàn)代經(jīng)營管理機制？......徐滇慶(43)究竟國有銀行和民營銀行孰優(yōu)孰劣？......張新，王一文(47)為什么國有銀行貸不好款？......張維迎(51)中國現(xiàn)有的儲蓄－投資轉(zhuǎn)化機制有什么弊端？......巴曙松(55)為什么說沒有適度競爭環(huán)境是國有銀行缺乏改革動力的主要原因？......徐滇慶(58)世界各國民營銀行的基本現(xiàn)狀和發(fā)展趨勢如何？......張新，王一文(61)世界各國有哪些金融監(jiān)管基本模式？......陸軍，徐滇慶，楊再平(65)德國銀行監(jiān)管體制有什么特點？......史晉川，王勁敏(69)美、歐銀行業(yè)監(jiān)管有什么發(fā)展趨勢？......史晉川，王勁敏(73)美、歐銀行業(yè)監(jiān)管模式的比較對我國金融改革有什么啟示？......史晉川，王勁敏(79)目前的金融兼并風是否波及到歐盟金融業(yè)？......史晉川，王勁敏(83)全能銀行體制可能會有哪些負面影響？......巴曙松 (84)關(guān)于全能銀行體制有哪些理論爭論？......巴曙松(88)銀行金融資產(chǎn)證券化是否有可能在中國金融市場上應(yīng)用？......過大江(91)為什么在對外開放金融之前首先需要對內(nèi)開放民營銀行？......徐滇慶，湯敏(95) 加入WTO之后，中小銀行能夠和外國大銀行競爭嗎？......樊綱 (99) 在世界各國，外資銀行進入當?shù)亟鹑谑袌鲇惺裁捶绞胶吞攸c？......張新，王一文(102) 民營金融機構(gòu)準入審查的要點是什么？......徐滇慶(106) 由誰來擔當審查民營銀行資格的任務(wù)？......茅于軾，陳平，徐滇慶(110) 銀行章程應(yīng)包括什么內(nèi)容？......茅于軾，陳平(113) 什么是金融系統(tǒng)的信息不對稱問題？......徐滇慶，姚洋(117) 銀行業(yè)務(wù)監(jiān)管包括哪些內(nèi)容？......陸軍(121) 銀行行業(yè)的自律監(jiān)管包括哪些內(nèi)容？......陸軍十二、加強金融監(jiān)管力度(128) 我國有哪些金融機構(gòu)退出了金融市場？......陸軍(132) 怎么樣才能加強金融監(jiān)管的力度？......徐滇慶(136) 是不是金融監(jiān)管越多，欺詐行為就越少？......張維迎(139) 如何實現(xiàn)金融監(jiān)管體制的多元化？......徐滇慶(143) 為什么民營銀行要主動通過信息披露接受市場的約束？......巴曙松(146) 為什么有必要成立獨立的銀行存款保險公司？......徐滇慶(150) 世界各國存款保險的范圍有何不同？......陸軍(154) 美國存款保險公司擁有什么權(quán)力？......陸軍，徐滇慶(158) 為什么中國一直沒有建立存款保險體系？......徐滇慶(161) 為什么審計事務(wù)所審計制度在西方行之有效，而在中國卻難以發(fā)揮作用？......許定波(165) 什么是具有中國特色的金融審計公司？......徐滇慶(168) 香港的中小銀行有些什么特點？......劉志強(172) 香港的金融監(jiān)管體系有什么特點？......徐滇慶(176) 香港有沒有銀行存款保險制度？......徐滇慶(179) 目前臺灣有多少家民營銀行？......徐滇慶(183) 為什么在亞洲金融危機之后，臺灣反而出現(xiàn)了金融震蕩？......徐滇慶(187) 臺灣是如何搞金融業(yè)培訓的？......徐滇慶(190) 民營銀行試點的進展情況如何？......徐滇慶(194) 浙江省的金融行業(yè)有何基本特征？......胡云耿(198) 東北地區(qū)金融有些什么特點？......王振山，范立夫Private Banks in China(2) What are the main advantages of a private bank?(6) When is the right time for a trial operation of private banks?(10) Is there space large enough for private banks to survive?(13) Why should we say that it is the essential factor given structure of a country that decides the selection of its best industrial structure?(17) What is the difference between direct financing and indirect financing?(21) Why should private banks constitute the main channel for the financing of small and mediumsized enterprises in a developing country?(24) What are the main obstacles that hinder the development of small and mediumsized economies?(28) Why are there no marked results from these financial policies supporting the small and mediumsized enterprises?IV. Development Strategies for Private Banks(35) Can private banks, like private enterprises, develop vigorously so long as the government lets loose its control? (39) Will small and mediumsized banks be more liable to financial risks than their large counterparts?V. Private Banks and Financial System Reform(46) Why has immense amount of bad debts occurred to China’s stateowned banks?(50) What changes have taken place in China’s financing structure in recent years?(54) Why should we say that the establishment of jointstock banks as well as Minsheng Bank (a private bank) has not fulfilled the aims of the reforms in China’s financial sector?(57) Are there small and mediumsized private banks in the developed countries?VII. Comparison of Financial Supervisory Systems in the World(64) What are the characteristics in the European banking supervisory system?(68) What are the advantages and disadvantages in the German mode of banking supervisory system?(72) How is the supervision exercised over foreigncapital banks in the world?(75) Why should “Glass Stegall Law” be implemented after the great depression in the 1930s in the USA?(79) Has the merger and acquisition trend spread to the financial sector in the EU?(83) What adverse effects may exist in the universal banking system?(87) What does it mean by turning the financial assets of a bank into securities?IX. Relationship between Private Banks amp。斯蒂格爾法》？......史晉川，王勁敏 WTO(94) How can supervision be exercised over the foreigncapital banks that have entered China’s financial market after China’s entry into WTO?(98) What lessons can be drawn in respect of opening to private banks?(101) What is the principle in approving private banks to the market?(105) What is the qualification required for senior managerial personnel of a private bank?(109) What are the requirements of a certificate for assets owned by a contributor and a private bank?(112) Why should strict supervisions be exercised on banks?(116) What should be included in the supervision of banks’ risks?(120) What should be included in the internal supervision of a bank?(124) Why is the twograde multisupervisory financial system not suitable to China’s situation? (127) What measures has the People’s Bank of China taken in respect of rectification over the activities in violation of the financial laws and rules?(131) What are the suggestions in respect of strengthening China’s financial supervisory system?(135) How can the market mechanism be brought into full play to improve the efficiency of the financial supervision?(138) What are the basic frames in designing (private bank) supervisory system?