Study On Approving Private Banks To Chinese Market

The arguments of private banks have continued 10 years , revolving around two problems mainly. One is whether the nongovernmental capital can enter the bank field or not; the other is the nongovernmental capital how to enter the bank field. There is no dispute for the first problem, but still greater divergence for the second one. On the foundation of absorbing the study accomplishment and the practice experience before, I adopt the comparative, historical and the theory with the reality research technique, and bring forward my own viewpoint that approving private banks to the market does not allow hesitation .1 want to expound private banks entering definitely is certainty, whicli is key to the completeness of Chinese market economic system with perfect , and the long-term development of Chinese economy.This paper divides into 3 chapters.Chapter 1 ,market economy and private banks. Expounding the fundamental system of market economy: clearly defined property right, economic freedom, steady financial system, political condition and legal condition , I know that market economy pursue efficiency. That needs the effective banks to deploy resource, also only the effective banks could subsist and develop in market competition. I defined the meaning of private banks, which have established the modern enterprise system, melt with the market mechanism management banks, and apply the public capital to product and sell specialization management, play various roles in economy. So-called privately owned is a kind of operation and organization form relatively to official-owned or state-owned . Compared for the efficiency of private banks and state-owned banks, the latter has more obvious advantage. Therefore, private banks become our inevitable selection. Seeing from the international scope, in developed market economic country medium and small private banks exist in large quantities. No matter developing countries and developed countries, private banks have become the main trend of bank field. Finally I introduced the process of applying for new bank in America. Chapter 2, the financial system reform and approving private banks to the market. In this chapter I elaborated private banks entering definitely with the relation to the financial system reform, the way and the significance in opening to private banks.Firstly I talked about the form and the feature of the high concentration financial system in our country, then I looked back the reform process and the effect of financial system briefly, and pointed out the deep problem in further reform is in bank field. Therefore, I analyzed the problems of bank field emphatically: the capital adequate rate is low ,the bad asset proportion is high ;the extent of monopolizing is high ,the profit is low . That is X inefficiency and resource disposition inefficiency coexisted. The reform of the property right of state-owned banks can only improve the former, the latter can only relyon increment reform--private banks entering to improve definitely. Therefore,private banks entering definitely become our inevitable option, in order to break the monopoly situation of state-owned banks, promote the reform of state-owned banks, and promote competition to raise the disposition efficiency of the financial resource. The way of private banks entering is the private-owned economy establishing it with self-capital, thorough realizing the separation of enterprise from administration. At the same time I raised a query about the transform way of the share-holding system of the people's capital entering the financial field. The meaning of private banks entering definitely are that offering finance service for medium and small businesses; raising the save ?investment transferring efficiency; accepting the challenge of the bank of the foreign capital.Chapter 3, the supervision on private banks approving, operating and quitting. We draw a lesson that the rule is the most important from the experience of private banks approving in the world. Therefore, we should explore the ente...