中国民营银行发展困境探析,货币银行论文.doc

中国民营银行发展困境探析,货币银行论文.doc中国民营银行发展困境探析,货币银行论文
中国民营银行建设问题研究总结与参考文献
摘要

2013 年 11 月 15 日,党的十八届三中提出在加强监管的前提下,允许具备条件的民间资本依法发起设立中小型银行;去年上半年,银监会批准首批 5 家民营银行试点,7 月 25 日和 9 月 29 日,5 家民营银行正式获准筹建;2015 年 1 月,深圳前海微众银行正式获批开业。此次民营银行的放行引起了社会的广泛关注,然而社会各界对于我国民营银行发展前景的态度也是喜忧参半,民营银行发展也是机会与挑战并存的。设立民营银行的初衷是将竞争机制引入金融领域,打破目前国有银行高度垄断、所有制较为单一的金融结构,有利于规范我国的地下金融,是我国深化改革在金融领域的关键之举。

本文以民营银行的相关理论为基础,分析了民营银行的比较优势以及发展我国民营银行的重要性,然后对目前我国民营银行的发展现状进行了深入的剖析,并总结出了民营银行发展中存在的主要问题,最后借鉴境外经验从法律制度、政府监管、民营银行自身发展等方面提出了相关的对策建议。

关键词:民营银行;准入退出机制;存款保险制度;公司治理。

Abstract

On November 15, 2013, 18 third party puts forise of alloall andmedium-sized Banks; In the first half of last year, the China Banking Regulatorymission approved the first five pilot private Banks, on 25 July and September 29, fiveprivate bank officially approved planning; In January 2015, Shenzhen ally approved. The private bank release has been brought into public focus, ho all entprospect is also mixed, development of private bank is also full of the opportunities andchallenges. To set up a private bank is to introduce the petition mechanism in thefinancial sector, to break the current high monopoly state-o in the financialsector in China.

This paper is based on the relevant theories of private Banks, analyses the privatebank's parative advantage and the importance of developing private Banks in China,and then to the present situation of China's p