【正文】 , 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。(90) What effects has the liberalization in international finance had on the European and UK modes of financial supervision?(86) How many banks go bankruptcy every year? How high is the cost for a bank to go bankruptcy?(82) What are the advantages for a universal bank in business development?(78) What is the merger and acquisition trend now prevailing in the US financial sector?(74) What are the main contents of “Glass Stegall Law”?(71) What is the current globalization trend in the supervision of financial sector?(67) What are the advantages and disadvantages in the UK mode of banking supervisory system?(63) What are the characteristics in the US banking supervisory system?(60) What is the relationship between approval of a large number of private banks to the market and government supervision capacity in the financial sector?VI. International Experience in the Operation of Nonstateowned Banks(53) Why is the pace for reforms in China’s stateowned banks slow?(49) What is the “rental seeking” phenomenon in the financial sector?(45) How can petition mechanism be gradually established in China’s financing area?(42) Why should special attention be paid to the basic system construction?(38) What causes the failure in opening to financial sector in the past?(34) What are the risks in opening to private banks?(31) What causes the highdegree of monopoly in the banking sector?(27) What are the financial policies supporting the small and mediumsized enterprises at present?III. Financial System that Supports Small and mediumsized enterprises(20) Why should small and mediumsized financial institutions be more adequate to handle financing for private banks?(16) What is the difference between an enterprise’s external and internal financing?II. Private Banks Inevitable Selection in China’s Development Strategies(9) What function can smallscale private banks play in the forthing international petitions?(5) What is the timing for opening to private banks?(1) What kind of private banks are we clamoring for?(202) 蘇南民營銀行試點有哪些制度創(chuàng)新？......左學(xué)金，楊建文，潘正彥(197) 在西安創(chuàng)辦一家民營銀行有什么客觀條件？......彭恩澤，員玉玲(193) 在廣東試點民營銀行混業(yè)經(jīng)營的切入點是什么？......鄭德呈(189) 民營銀行的試點是如何選定的？......徐滇慶(186) 為什么說在臺灣的基層金融機構(gòu)是金融風(fēng)險的一大隱患？......徐滇慶(182) 臺灣是如何改進金融監(jiān)管體制的？......徐滇慶(178) 臺灣開放民營銀行，在市場準入上有些什么教訓(xùn)？......徐滇慶(175) 香港中小銀行的清算是如何進行的？......劉志強(171) 香港中小銀行的風(fēng)險管理制度有什么特色？......劉志強(167) 香港有多少家中小銀行？......劉志強(164) 為什么必須要設(shè)計好審計機構(gòu)的利益與成本？......徐滇慶十五、金融審計與民營銀行(157) 存款保險制度的主要缺陷是什么？......陸軍，徐滇慶(153) 美國存款保險公司的具體職責(zé)是什么？......陸軍(149) 在世界各國銀行存款保險是強制性的還是自愿的？......陸軍(145) 為什么需要建立存款保險制度？......陸軍，徐滇慶(142) 為什么民營銀行需要全面風(fēng)險管理的理念？......巴曙松(138) 民營銀行監(jiān)管制度設(shè)計的基本框架是什么？......陸軍，樊綱(135) 如何發(fā)揮市場機制提高金融監(jiān)管的效率？......史晉川，王勁敏，徐滇慶，姚洋(131) 有哪些加強金融監(jiān)管體制的建議？......徐滇慶(127) 中國人民銀行在整治金融違法方面采取了哪些動作？......曹遠征(124) 為什么說兩級多元式金融監(jiān)管體制不適合中國的國情？......徐滇慶(120) 銀行自身的內(nèi)部監(jiān)管包括哪些內(nèi)容？......陸軍(116) 銀行風(fēng)險監(jiān)管包括哪些內(nèi)容？......陸軍，徐滇慶(112) 為什么要對銀行實行監(jiān)管？......徐滇慶，史晉川(109) 出資人和銀行的資產(chǎn)證明有些什么要求？......茅于軾，陳平(105) 對民營銀行的高層管理人員有些什么資格要求？......徐滇慶(101) 民營銀行的市場準入原則是什么？......徐滇慶(98) 開放民營銀行有哪些前車之鑒？......徐滇慶(94) 加入WTO之后，如何監(jiān)管進入中國的外資銀行？......姚洋九、民營銀行與WTO(87)什么是銀行金融資產(chǎn)證券化？......過大江(82)全能銀行在經(jīng)營發(fā)展中具有什么優(yōu)勢？......巴曙松(78)當(dāng)前美國金融業(yè)的兼并風(fēng)是怎么回事？......史晉川，王勁敏(72)國際上如何實行對外資銀行的監(jiān)管？......史晉川，王勁敏(68)德國監(jiān)管模式有哪些優(yōu)缺點？......史晉川，王勁敏(64)歐洲銀行監(jiān)管體制的特點是什么？......史晉川，王勁敏七、金融監(jiān)管體制的國際比較(57)發(fā)達國家有沒有中小型民營金融機構(gòu)？......史晉川，王勁敏(54)為什么說股份制銀行以及民生銀行都沒有達成金融改革的目的？......徐滇慶(50)近年來，中國融資結(jié)構(gòu)發(fā)生了什么變化？......巴曙松(46)為什么國有銀行出現(xiàn)了巨額不良貸款？......徐滇慶，曹遠征五、民營銀行與金融體制改革(39)中小型銀行的金融風(fēng)險一定比大型銀行更高嗎？......林毅夫(35)民營銀行能不能象民營企業(yè)一樣，只要政府放開手就可以蓬勃發(fā)展？......巴曙松四、民營銀行的發(fā)展策略(28)為什么這些扶持中小企業(yè)的金融政策效果不明顯？......林毅夫(24)什么是發(fā)展中小企業(yè)的主要障礙？......樊綱，姚洋(21)為什么說在發(fā)展中國家民營銀行是為中小企業(yè)提供金融服務(wù)的主要渠道？.....張新，王一文(17)直接融資與間接融資有什么區(qū)別？.....林毅夫(13)為什么說一個國家的要素稟賦結(jié)構(gòu)決定了它的最佳產(chǎn)業(yè)結(jié)構(gòu)的選擇？.....林毅夫(10)民營金融是否在中國有足夠的生存空間？.....徐滇慶(6) 民營銀行是早點還是晚點放開好呢？.....張維迎(2) 民營銀行有哪些優(yōu)點？.....徐滇慶，鄭玉歆，鄭德呈序言 .....劉國光 WTO(94) How can supervision be exercised over the foreigncapital banks that have entered China’s financial market after China’s entry into W