Exploration Of Private Banks’ Business Model In China

With the continuous development of market economy, the private economy of our country is becoming more and more prominent, but the development of the private economy of our country to get financial support is not enough, which greatly restricts the development of private economy. Today, national economy has changed in our country, in order to support the economy running, financial markets also need to make an adjustment. The establishment and development of the private bank has a significant effect on the improvement of financial market.Based on China’s private banking business model in the future as the research object, through the analysis of the development trend of China’s private banks, based on the understanding of the development of private banks in China the main problems of private banks, the start-up and growth stage were discussed, put forward to perfect the countermeasure of China’s private business model the bank:improve the market access mechanism and exit mechanism; improve the credit system; promote reform of the marketization of interest rate; establish and improve the deposit insurance system; establish and improve financial supervision system; strengthen the capital management; pay great attention to the talents; accurate market positioning; improve the main business. The article finally discussed the development path of private banks in China:the start-up period, following the basic business model, groundwork laid the private bank; growth period, development of the characteristic mode of operation, to seek the reasonable market positioning. As be a guidance to the development of China’s private bank.Analysis and research on the Zhejiang network bank business model, the experience and enlightenment of Zhejiang network bank has been successfully summarized. The Zhejiang network bank business model has its advantage, well the existing problems of Zhejiang network bank business model has been putted forward, which indicates that in the period of growth our country’s private bank need to pay attention to the problem. At the same time puts forward the innovation of management pattern and the development of China’s private bank path selection, to solve the private bank should establish what kind of management pattern in the start-up period, how to reasonable market position in the growing period, as a reference for the development of the private bank, embodies the practical significance of this paper.