Research On Market Access System Of Private Banks In China

The development of private banks is a hot topic in China's theoretical and economic circles.Many scholars believe that the participation of private capital in the establishment of private banks is an effective way to solve the financing difficulties,high financing costs and slow financing of small and medium-sized enterprises.At the same time,many private listed companies or major shareholders actively apply for or create conditions to participate in the preparation of private banks.Due to the low credit rating,limited capital and single structure,the risks undertaken by private banks include not only the risks of traditional banks themselves,but also a variety of relatively special types of risks.The special risks emphasized here include the risks arising from the internal control of bank personnel,the risks of shortage of operating funds,the trust risks of residents,the risks of loans of affiliated enterprises and the risks of insufficient deposit liabilities.In order to promote the diversification of China's banking industry,it is necessary to strengthen the access examination of private banks.If there is no sound access mechanism for effective access review,private banks may be in trouble or even fail because of special risk problems.This paper uses the methods of literature research and comparative analysis to discuss the market access system of private banks in China.It is concluded that at present,on the premise of perfecting the market access rules of private banks and establishing the social credit management system,China should gradually open the access of private banks,and put forward concrete opinions and suggestions on the market access rules of private banks in China through six aspects: registered capital,initiator,ownership structure,business orientation,senior managers and business access.Specific performance in the following aspects: combined with the GDP of various regions in China,to lay down the registered capital limit of private banks,on the one hand,reflects the regional differences of registered funds,on the other hand,helps the establishment of private banks in various regions of China and the development of private economy;from the industry where the sponsors are located,the relationship between natural persons,the past social image and "before birth" Testament refines the auditing principles of sponsors in four aspects:optimizing and summarizing the principles of rational equity allocation;synthetically discussing the advantages and disadvantages of private banks themselves,and then sums up the types of business and customers that are beneficial to the development of private banks;making suggestions on the appointment of senior managers from the aspects of resume and qualification;and optimizing the opening of business and policies.In two respects,the author puts forward that China should appropriately liberalize access to private banking business.The development of private banks is in line with the background of China's contemporary economic transformation and financial reform,and with the trend of the times.Therefore,it is necessary to refine the market access principles of private banks in China at the present stage.