Research On The Development Of Individually-Run Bank In Zhejiang Province

The development of private bank has been gaining momentum in the world today. Since1990, the private bank's proportion in the total bank capital has been increasing, both in developed countries and developing ones. They will play an increasingly important role in the banking system in the future.In Zhejiang, the development of private bank lags behind that of private sectors of the province economy. Their small proportion does not correspond to the development of private economy. As the private economy emerges and private bank develop, many experts believe that the development of private bank can guarantee the healthy development of Zhejiang's banking system and province economy. In a context where the economy is developing rapidly and the banking system is undergoing reforms, it is of great significance to explore the development of private bank in Zhejiang, of which Zheshang Bank is one.Based on an analysis of the situation of private bank in Zhejiang, the paper studies China Zheshang Bank, Taizhou Bank, Tailong Bank, Chouzhou Commercial Bank of Zhejiang and Wenzhou Bank, and explore their development experiences. It compares the private bank with the province owned commercial banks and sharing-holding banks in order to find out the defects with the private bank. Then through three stages efficiency DEA, analysising zhejiang province private Banks on the technical development efficiency, the technical efficiency and scale efficiency. It analyzes the external and internal factors that hinder the development of the private bank in Zhejiang, and, accordingly, offers suggestions and solutions to the problems in question.