The Research On The Development Of Private Banks In China

From the meaning of developing the private bank , already introduce competition mechanism, has selected the superior and eliminate the inferior, activate the survival ability of the whole Chinese-funded banking; It still can face the challenge of foreign capitals bank since entering the WTO, quicken the steps of in line with international standardization, at the same time, can also solve the financing predicament in private economic development to a certain extent.Through to the amplification of the relevant economics theories (Finance deepen , monetary system changes, game theory, Pareto Optimality theory), the article has announced the certainty that our country develops the private banks. Of two typical cases, investigate the real example, the private bank of our country-Minsheng Bank and private banks of Taiwan that has the same historical origin with the mainland, offer references for concrete development of the private bank of our country; Combined special advantage of bank, it analyses the feasibility of development and the defect of relevant system in our country among realistic ecological environment.Because of this kind of analysis background, On the road to it's development, how to solve the decisive problems on earth? How to play a positive role in order to bring about an advance for the government in this new monetary system?Train of thought along the question, the article analysis and solve the decisive problems of our private bank in the mode of entering the market, developing localization in initial stage, taking precautions against the risk and competitiveness brand etc;from the government's angle again, the article proposes that the government should Improve and complete monetary system for the private bank in market access, market supervisory, market withdraw, the foundation of the deposit insurance unit and financial rating organization and etc.Analyzing the conclusion of drawing synthetically finally: On the basis of the demand of banks' eager change of our country, the monetary system reform of China can use the above experience for reference, Introduce the private bank of the real market meaning, develop private finance, break up the market monopolization of the bank in the system, thus realize the basic change from finance of the plan to market finance. Therefore let private banks have the access to market sooner or later in China, let conditional private capital manage bank, it is no doubt an inevitable choice to develop the bank industry of our country.