在入世五年过渡期后,我国银行业已全面对外开放。而与之形成鲜明对比的是,对内开放却步履缓慢,如履薄冰。发展民营银行对于迎接外资银行的挑战,加速我国金融体制市场化进程具有重要的现实意义。应当在充分认识民营银行潜在风险的基础上,对民营银行的市场准入进行审慎的法律监管,以保证其健康有序地发展。 After the five-year WTO accession period, China’s banking sector has been fully opened to the outside world. In stark contrast, the pace of opening to the interior is slow and treading on thin ice. The development of private banks is of great practical significance to meet the challenge of foreign banks and speed up the marketization of China’s financial system. On the basis of fully understanding the potential risks of private banks, they should exercise prudent legal supervision over the market access of private banks to ensure their healthy and orderly development.