The Study Of The Paths To Develop Private Banks In China

The finance is pivot and core of the modern economy, but the bank is the subject of a country or the regional financial system. The pluralism, mufti-level economy and property structure need the bank system in conformity with it objectively.Since reform and opening-up, the economy of our country has been developed at full speed, GDP is increasing constantly, and private economy is being developed constantly. The private capital participating in national economy is promoted greatly. But in the central financial system of national economy, the deep of the private capital participated in is very low. With the promotion of the reform, open enlargement, restriction function of current bank system and management mode on the whole financial system are more and more obvious. It also restricts the development of private economic and whole national economy.The private bank development in our country is still in the primary exploration stage. This thesis is mainly expounded from three aspects which are the realistic foundation and power foundation of the private bank existence, road of development, and try to explore a proper road of development. So this thesis makes some sense in terms of develop the private bank in our country.This thesis firstly defines the private bank, relies on the theory of trade expenses, the theory of the dependence on path, the theory of finance deepen. Through analyzes the private bank in our country's development foundation, which expounds the necessity of the private bank, Secondly, the paper analyzes the patterns taken by the district of Taiwan in the development of private banks in their economic reform that provides an experience and example for us. Finally, the paper puts forward the practical path arrangement for the development of private banks in China which includes four aspects: the general path covers the arrangement of taking a gradual step and combining the compulsory change with inductive change, the reconstruction with construction. Share-holding rights path covers the arrangement of centralization of sure rights. Market-oriented path covers the arrangement of establishing local small-sized private banks. District choice path covers the arrangement of well-developed cities and coastal districts.