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国有银行和私营银行的目标都是逐利,前者不会刻意歧视民营企业,后者也不会刻意照顾民营企业近年来,媒体和学界持续不断地抱怨以私营企业为主的小企业贷款难问题,并将根源归结为以国有银行为主的金融系统依仗垄断地位,歧视私有企业,偏袒国有企业所致。解决办法应该是减少国有银行的比重,撤除私人资本建立银行的障碍,并支持相应的金融创新。比如,5月11日陈志武教授就发文《中国民间
The goal of state-owned banks and private banks are profit-seeking, the former will not deliberately discriminate private-owned enterprises, the latter will not deliberately take care of private enterprises in recent years, the media and academia continue to complain about private-owned small business-based loan difficult problem , And attributed it to the fact that the state-owned banks dominated the financial system by relying on their monopoly position, discriminating private-owned enterprises and favoring state-owned enterprises. The solution should be to reduce the share of state-owned banks, remove barriers to private banks in establishing banks, and support corresponding financial innovations. For example, Professor Chen Zhiwu published a document on May 11 "Chinese folk