建立和发展民营银行是我国金融体制改革的重要内容之一。民营银行的建立和发展对于完善我国的金融体系具有重要的意义。但是,民营银行发展中面临着诸多的风险,其中股东道德风险体现得尤为突出。因此,只有加强金融监管,有效防范民营银行股东的道德风险才能确保民营银行的健康发展。 The establishment and development of private banks is one of the important contents of the reform of China’s financial system. The establishment and development of private banks is of great significance to improving China’s financial system. However, there are many risks in the development of private banks. Among them, the shareholder moral hazard is particularly prominent. Therefore, only by strengthening financial supervision and effectively preventing the moral hazard of private bank shareholders can we ensure the healthy development of private banks.