Study On China’s Private Banks Operation Risk And Its Prevention

Since the party’s 14 th to establish public ownership as the main body,a variety of common development of the economic system,the proportion of non-public economy increase gradually in the national economy,and private economy has developed rapidly,such as individual,privately owned.Private economy can promote consumption,stimulate domestic demand,increase the employment and raise income.Private economy has become the important force to promote the development of our country’s economy.However,private enterprise is difficult to financing.In order to solve the small and medium-sized enterprise credit "vacuum",fill the state-owned bank service "blind Angle",standardize the folk capital,perfecting the financial market,to maintain a healthy financial system running,the state departments have issued a series of guide and regulation to set up a private bank policy Suggestions and measures.Private Banks also got rapid development,but gradually exposed its operating risk problem.This paper mainly research on the operation risk of the private bank.First of all,summarize its related theory research,it is the theory foundation for below analysis;Secondly,in view of the present situation of the development of private Banks in our country,analyze the private Banks operation risk types and formation reasons;Once again,use the empirical analysis to research our country private Banks operation risk.Through collecting and organizing the related data of major private Banks in zhejiang province,use statistical knowledge and measurement method to analyze the corresponding conclusion;Finally,according to the result of empirical study and the cause of the private Banks operation risk,propose all kinds of measures preventing the private Banks operation risk.In recent years,with the support of national,private Banks in China has developed rapidly,and has become a very important channel to solve the financing difficulties of small and medium-sized enterprises.Although the development of private Banks is an inevitable trend,but at the same time also should see its operating risk.ignoring the private Banks in many risks will be encountered in the process of development of unfavorable to private Banks,and even lead to private Banks failed,and the financial crisis.Thus,careful development of private Banks,the private banking business risk,putting forward some countermeasures for preventing the risks of its operation is very necessary.