Study On The Law Of Special Risk Supervision Of Private Bank

Private banks entering our financial market not only inject new vigor into our market economy,but also play more and more important role in the financial market.However,due to the high risk of banking and the nature of private banks,there will inevitably be many unavoidable risks in the development of private banks,and these risks will inevitably restrict the development of private banks.The risks faced by private banks include two types,one is the private bank as a part of the banking industry,it will face the general risks faced by the banking industry,and the other is the special risk decided by the special nature of private banks.Specifically,the special risks of private banks include the risk of loan to SMEs,the risk of public trust,the "Pure network operation" credit risk and operation risk,the low restraint risk of private shareholders and the risk of insufficient capital.Because the private bank in our country is in the initial stage of development,there is a lack of legislation on the risk supervision of private banks in China.Therefore,in order to promote the healthy development of private banks,we must set up a reasonable and perfect supervision legal system of private banks,construct a set of mature supervision system of private banks,and formulate special supervision measures to solve the special risks of private banks as soon as possible.Based on the basic theory of private banks and the basic situation of the development of private banks in China,this paper this paper analyzes the special risks of private banks in China,and tries to put forward some suggestions on the supervision of the special risks of private banks in the light of the development experiences and lessons of private banks and American community banks in Taiwan.It includes: perfecting the supervision laws and regulations of the private banks,establishing the system of shareholder's responsibility,clarifying the differentiated market position of the bank,perfecting the data collection of the Central Bank Credit Center,perfecting the legal system of deposit insurance in our country,establishing the information disclosure system of the private banks,and establishing the market access system;To form a private interbank association.This article is divided into four parts,the first part mainly discusses the basic concept and characteristics of the private bank,analyzes the realistic demand of the private bank from the external pressure of financial competition andthe internal promotion of the financing demand of small and medium-sized enterprises,and then analyzes the present situation of the development of the private bank in our country through the chart mode.The second part of the private banks in the development process in the face of several major special risks,and the specific analysis of these risks to our private banks caused by the harm and consequences.The third part studies the development of the American Community Bank and the private banks in Taiwan and the experiences and lessons of the supervision measures.The Forth part analyzes the current situation of China's private banks ' supervision,and puts forward some suggestions on the special risks faced by private banks.