新华社北京７月１９日电（记者刘诗平）中国银监会有关负责人近日表示，银监会鼓励和引导民间资本进入银行业，下一步将在《关于鼓励和引导民间资本进入银行业的实施意见》基础上，进一步细化政策，加强分类指导。

    Beijing, July 19 report（Reporter LiuShiPing）A head of the China banking regulatory commission (CBRC) said recently，Banking regulatory commission (CBRC) encourage and guide the private capital into the banking industry，The next step will be in《For encouraging and guiding non-governmental capital into the banking executive opinion》basis，Further specified policy，Strengthen classified guidance。

    今年５月，银监会出台《关于鼓励和引导民间资本进入银行业的实施意见》，支持民间资本与其他资本按同等条件进入银行业，同时为民间资本进入银行业创造良好环境，促进民间资本投资的银行业金融机构稳健经营。

    In may this year，CBRC introduction《For encouraging and guiding non-governmental capital into the banking executive opinion》，Support folk capital and other capital into the banking industry in the same conditions，At the same time for private capital into the banking industry to create a good environment，Promote private capital investment banking financial institutions of stable management。

    为鼓励民间资本投资村镇银行，实施意见将村镇银行主发起行的最低持股比例要求由２０％降至１５％，同时明确村镇银行进入可持续发展阶段后，主发起行可以与其他股东按有关原则调整各自的持股比例。

    To encourage private capital investment bank villages，Implementation opinion town bank launched the Lord will do share ratio by 20% minimum requirements reduced from 15% to，At the same time villages into sustainable development bank clear after stage，The Lord do with other shareholders can be launched in accordance with the relevant principles of adjust their share ratio。

    “从现有政策上而言，村镇银行在经营若干年之后，发起行持股和民间资本持股的相对比例是可以调整的，根据运营状况、管理状况的需要，发起行可以减持甚至全部退出村镇银行。”银监会有关负责人说。

    “From the current policy is，Villages in business after years of bank，Line and private capital ownership by the shareholding ratio can be adjusted，According to the operation condition、Management situation needs，Do can reduce held by all villages even from the bank。”Banking regulatory commission officials said。

    这位负责人表示，银监会高度重视引导民间资本参股银行业金融机构工作，注重发挥民间资本在推动银行业金融机构改革和设立方面的重要作用。

    The chief said，Banking regulatory commission (CBRC) high attention guiding non-governmental capital shares banking financial institutions work，Pay attention to play in promoting the private capital banking financial institution reform and establishment of an important role。

    实施意见明确，支持民营企业参与商业银行增资扩股，鼓励和引导民间资本参与城商行重组；支持民营企业，特别是符合条件的农业产业化龙头企业和农民专业合作社等涉农企业参与农村信用社股份制改革或参与农村商业银行增资扩股；支持民营企业参与村镇银行发起设立或增资扩股；支持农民、农村小企业作为农村资金互助社社员，发起设立或参与农村资金互助社增资扩股；支持民营企业投资信托公司、消费金融公司；支持符合相应条件的民营企业投资企业集团财务公司、金融租赁公司和汽车金融公司。

    Implementation opinion explicitly，Support the private enterprises to participate in the commercial Banks to increase endowment spread，Encourage and guide the folk capital restructuring firm in the city；Support private enterprise，Especially meet the conditions of the agricultural industry leading enterprises and farmers' professional co-operatives, agricultural enterprise participation in stock reform of rural credit cooperatives or participate in rural commercial bank increase endowment spread；Support the private enterprises to participate in the town bank to launch or increase endowment spread；Support the farmers'、Rural small enterprises as rural capital association, members，To launch or participate in rural mutual funds increases endowment spread；Support the private enterprise investment trust company、Consumer finance company；Support to meet the corresponding condition of private enterprise investment financial companies of enterprise groups、Financial leasing companies and auto finance company。

    实施意见强调，在市场准入实际工作中，不得单独针对民间资本进入银行业设置限制条件或其他附加条件，不断提高银行业市场准入的透明度。

    Implementation opinion emphasize，In market access in the actual work，Shall not be alone in private capital into the banking set limit terms or other additional conditions，Continuously improve the transparency of the banking market access。

    “同时也应看到，银行业经营情况对普通民众具有重要影响。为此，银监会对银行股东提出了审慎监管要求，以确保银行业股东具备持续履行义务、防范经营风险的能力。”银监会有关负责人说。

    “At the same time also should see，Banking operation situation of ordinary people have important influence。For this，To put forward the CBRC bank shareholders prudent supervision requirements，To ensure the banking shareholders have continued to perform its obligations、Preventing operating the ability of the risk。”Banking regulatory commission officials said。

    据介绍，民间资本已经是我国银行业资本金的重要组成部分。民间资本参与了部分大型商业银行和股份制商业银行的首次公开募股（ＩＰＯ）和股权优化；不少民间资本已成为股份制商业银行的主要股东。截至２０１１年底，股份制商业银行和城市商业银行总股本中，民间资本（含境内法人股、自然人股和其他社会公众股）占比分别为４２％和５４％；农村中小金融机构整体股权结构中，民间资本占比达９２％。

    According to introducing，Private capital in China's banking industry is an important part of the capital。Folk capital took part in a large commercial bank and joint stock commercial Banks of initial public offerings（IPO）And equity optimization；Many private capital has become a joint-stock commercial bank's major shareholders。By the end of 2011，Joint stock commercial Banks and the total stock of city commercial Banks，Folk capital（Including domestic legal person share、Natural person shares and other social public offerings）Than accounted for 42% and 54% respectively；Rural small and medium sized financial institutions overall equity structure，Folk capital accounts for more than 92%。

    银监会有关负责人表示，下一步，银监会将在实施意见基础上，进一步细化政策，加强分类指导，鼓励和引导民间资本进入银行业，更好地发挥民间资本对银行业改革发展和监管的促进作用。

    A head of the banking regulatory commission (CBRC) said，The next step，Banking regulatory commission in implementation opinions will be based on，Further specified policy，Strengthen classified guidance，Encourage and guide the private capital into the banking industry，Better play to the private capital for the banking industry development and reform the promoting function of supervision。