A Study On Market Access System Of Private Bank In China

In recent years, more and more private capital have soaked into China’s financial ndustry the discussion of prsivate Banks become more and more fierce. Whether developing private bank or not "and" how to develop private bank "has always been a concern of the large number of scholars and entrepreneurs. Recent two years, the Chinese government issued a series of policy related to the development of private bank, with the following emergence of a new batch of pilot project, private banks become the focal point again.The banking industry has always been the monopoly industry while it concerns the development of the whole financial market with related to the country’s economic lifeline. Therefore, in a long time, the private capital enter into the Banks category and development private Banks are very cautious deliberated.At present, although the government break the shackles aiming at private Banks, that doesn’t mean completely deregulation. The experience tells us that too strict standards make against the development, while too loose regulation inevitably lead to excessive competition. In such a case, the market admittance system of the private bank is particularly important.This text, by analyzing of the historical and present situation of the private bank, draw lessons from Britain, the United States and the experience of the Hong Kong special administrative region and Taiwan region, make a research of Chinese private banking market access system, and puts forward relevant suggestions of development and perfection advice.Besides preface and conclusion the essay will be divided into five parts:The first part:the general theory of private Banks market access system, which include expounds the development history of private banks, the definition of private Banks and the significance to set up a private bank.The second part:the general theory of Chinese private Banks market access system, which include reveals the connotation and function of the private bank access system, analysis the risk of private bank.The third part: present situation and problems in the system of Chinese private Banks market access. By introducing the development process and regulations of Chinese private Banks market access system, analyzing the problems and hidden dangers of private bank access system in our country at present stage. The fourth part: the comparison and enlightenment of foreign and China’s Hong Kong special administrative region and Taiwan Banks market access system. Through the comparison of the United States, Britain, China in the Hong Kong special administrative region and Taiwan bank access system, summarized the successful experience which can be used for reference. The fifth part: the legislative proposal about establishment of China’s private Banks market access system .From the legislation, the approved way, regulatory agencies, qualification of shareholders, capital requirements, scope of business access, appointment of directors and senior management personnel, the layout of the private bank review and refused access to judicial review, etc., to conduct a comprehensive design of private bank market access system and put forward the private bank legislative proposals.