The Study On The Development Of The Private Bank In China Underdeveloped Regions

Private Banks have increasingly become the mainstream of the banking sector,since 1990,most of countries' private banking assets proportion showed an overall upward trend,but the proportion of state-owned bank assets are on the decline.Thus,the private banks will play an important role in the future development of the banking sector.However,the establishment of China's choice of private banking sites are mainly concentrated in the areas of Shanghai,Beijing and other developed areas,underdeveloped regions of private banking approval is rare.Therefore,under the background of the current private economic development and reform of the economic system,the study on the development of the private bankin China underdeveloped regions,it is important for the development of local private banks,and promoting the development of private financial norms to solve financing problems of SMEs,assisting underdeveloped regions "three rural" and promote financial reform.At present,private banks in underdeveloped regions of China havethe overall shortageand smaller size,there are main obstacles that local private economy is relatively backward,the regulatory system is not sound banks and the deposit insurance system is not perfect in the development process.To this end,the underdeveloped regions in the process of developing private banks should learn from the Zhejiang,the United States and other regions,whichopen velocity should not be too fast,avoid privilege group intervention seriously,strengthen customer stickiness,development of grass-roots leveland other relevant experience and lessons.It should set up in the stock reform model based private banks,Constantly improve the development of private enterprise service mechanism,clear industry positioning to accelerate the development of private economy,and through the establishment of the market entry and exit mechanisms for private banks,building an effective banking supervision system,improve deposit insurance system and other measures to strengthen the system to support the development of private banks,in order to effectively promote underdeveloped regions of private banks long-term development,but also led to underdeveloped regions of the private economy development.