Research On The Legal Issues Of Private Banks' Differentiated Supervision

The rise of private bank is a breakthrough in China's financial reform.As a kind of fresh blood,it is playing the "catfish effect",active China's financial market.Forcing traditional banks innovate their own development mechanism?their develop ways and their financial pr oducts.According to the current policy and trend,the number of private Banks will become larger and larger.As the cornerstone of social's normal operation,banks not allow anything that concerning the national economy and people's livelihood happened.The private bank needs open the risk prevention mode.Because,as a new force,while it is playing the role of incentives,in its operation,it will produce risk that the same as or different from traditional commercial Banks operating risk.What need special attention is that private banks' legal regulation is different from the law to the traditional commercial bank regulation.Because private banks' differential operation,the specific location and it provide differential financial services for the development of the real economy,etc.In this paper,the difference of private banks' law regulation will mainly from three aspects:vertical design?horizontal design and innovate private banks' law supervision mode.Vertical design include four aspects:in advance,in the course,afterwards and periodic supervision.Horizontal regulation include homogeneous and differentiated regulation,Shareholders,customers,capital and other elements of the regulation,etc. Innovation mode is mainly according to the characteristics of the private Banks themselves as well as the pattern of development of the Internet.Under the background of the rule of law,legal supervision are different from other forms of supervision plays a unique role in regulation.The lag of law makes private banks' current regulations lack of legal regulation.Also suggests the legal regulation's plasticit yand urgency in the aspect of differential regulation.At the same time,differential regulation of the law must draw lessons from Taiwan studies and the experience of western countries.Together with the present situation of private banks' current development and the extent of the legal supervision in China.Research and discuss private banks' differential law regulations in many ways and from multi-angles.