Private Banks Reasonable Study

Making a general survey of the basic course of the reform in banking system of our country and commercial bank development for more than 20 years,the change attracting our attention has taken place in the banking system and financial structure of our country and finance is playing a key part in modern economy day by day. But we can't ignore that incompleteness and the simple level of reform in banking system in our country appear gradually. And various kinds of risks in the operation of state-run commercial banks appear day by day, too. The proportion of non-performing assets is too great and management is aggravated. That harsh reality makes us more calm and reasonable and carries on overall, profound thinking to the reform in banking system of our country and commercial banking system In order to seek the new route where the system of meeting the developing needs of market economy improves.This thesis starts with the precise meaning of defining the private bank, it analyzes two respects of the rationality of the private bank in terms of developing from the commercial banking system changes course of our country and financing predicament of small and medium-sized enterprises in an all-round way. And the author has put forward some suggestions on how to standardize and develop the private bank. The thesis is divided into four chapters.Firstly,the author defines the concept of the private bank. The academic dispute can roughly be divided into property right theory,assets structure theory and administration structure theory. These three definitions are all from one kind of the characteristic of the private bank, but have not formed overall understanding to the essential characteristic of the private bank. The private bank originally in the article is controlled interest by the folk capital, independent management; assume sole responsibility for its profits or losses, the economic entities of the self-discipline and self-development. On the basis of the clear property right is, it set up the modern enterprise's corporate governance structure in pure economic meaning and have commission agent relation of effective incentive and tied mechanism.Chapter One describes the international experience of developing the private bank. The medium and small financial institutions still exist extensively, though the financial institution causes a large amount of financial annexation and reunion tides because the competition is more fiercely in the developed country. The fact has stated the necessity of developing the private bank. Large, medium and small rational matching of the scale of financial institution is the request that economic activity puts forward. From general experience of the transition country, most basic purpose of developing private bank is to change planned economic system, the banking is highly centralized; serve with the problem with low efficiency. The private bank will develop in our country sooner or later.Chapter Two focuses on the commercial banking system changes in our transition economy. Proceeding from generally monetary system theory, the author has reviewed the course of commercial banking system changes since reform and opening-up of our country. Under government mandatory system changes, the bank reforms of our country appear some conspicuous questions, such as the main part of property right of the system of the bank and service object are identical and so on. In the course of economic growth, the essence economic activity will produce the varied financial service demand because of the need of development. It is clear for us not to confine the financial development and research of the monetary system to the system of the bank and should put and investigate under social financing, especially background of enterprise's financing. Undoubting, the reforms of four major banks are important, but the most important thing is to change the financial structure of our country. Chapter Three focuses on the financing question of small and medium-sized enterprises of our country. It is th...