A Study On The Fund Management Of Private Banks In China

China’s market economy development to today, a handful of private bank. From a national point of view, the establishment of private bank is to solve the problem of medium and small and micro enterprises financing, solve the existing large state-owned holding Banks cannot solve the financing problem, but in the existing large state-owned holding Banks on the issue of money management and need to be urgently addressed the problem, in solving the financing problem in the private bank at the same time, to prevent the problem of capital chain rupture. So in this paper, on the basis of theoretical analysis, condensed state Banks, for example, use of bank loan ratio, liquidity ratio, capital adequacy ratio and other data contrast analysis method, to verify the part from state-owned Banks to joint-stock Banks holding development up to now, the policy of gradually relaxed and the inner relation between the incidence of bad debts, to conclude, developing private Banks’ capital management issues needed to take more rigorous and effective method and necessary measures. By querying the foreign community Banks and private Banks operating case of Taiwan, summarizes the use for reference the experience of its development, positioning in the regional financial demand, the small micro enterprises as the main object of service, with flexible management methods and relevant policy support as a means of competition, the private Banks become a new bright spot in financial market in China. To further improve the development of our country is the first private bank’s risk management, as far as possible to solve the money management problem under the specific target customers.