Private Bank's Development Research

The reform of our country among the past 20 years is a process that economic-market level deepens constantly. During this period, the most professions have been opened to civil capital except the financial field, which is the core of national economy for civil capital; it basically belongs to enclose state. With the thorough of restructuring the economy and "China joins World Trade Organization", financial field, especially bank field that has opened to civil capital, becomes one focus problem paid attention to. At present, we must pay much attention to develop the urgency of civil bank, the reason is: firstly, the bank of foreign capital will gustily enter soon, the bank field of our country is still in the monopoly, it has not established challenge completely; secondly, the reform effect of domestic bank isn't good enough; thirdly, the problem of medium and small businesses financing disaster has already serious obstructed the development of private enterprise; fourthly, " underground finance " increasing rampant.Although some experts had promoted the development of privately owned bank to an altitude of strategy, there's still obstacle in the development of civil bank. First of all, it thought that there's more risk of development than profit in civil bank; secondly, according to the analyze about angle of national effectiveness function, there's more barrier for trade entering; one more, the exist and develop form of civil bank get insufficient environment; finally, existing financial operation restrict development of civil bank. At the same time, from its establishing condition, it also has some problems inside, for example, small scale, little capital, not setting better reputation, little manage experience, unreasonable equity structure, the appearance of providing loan and so on. The result is no one gets the approval of superintendence authorities.Now, one opportunity that the bank opens to civil capital has already been mature; we should positively seek a variety of approaches of development. The design of civil bank includes: market location, setting area choosing, capital structural stipulation and management in different problem. Its major service should position in medium andsmall businesses; area option should be stress in privately owned economic comparison developed, while local bank credit input is below; the equity structure of civil bank should be big shareholders shared quantity stock, so it's efficiently to establish encourage and risk management; for reducing financial risk, to consider the bank of Hong Kong managing by different levels system, according to capital strength and level of management, comply with the condition of discipline, to build each business scope.The problem of civil bank can control through system, we should grasp the research in civil bank, in making experiments to be perfect constantly. In view of some experience of TAIWAN, to make the civil bank of China open by order and build a good financial competitive environment, we need get big progress in setting market, effective legal administer structure and insure system.