| Considering the condition of modern market economy,a good financial system is the key factor for the healthy national economy.At present our country banking is in a pattern of state-owned monopolies.Transforming the big four state-owned banks is surely important,the most important still is to deepen the reform of financial market structure for development.Reform is to break the monopoly of state-owned Banks,to create a common prosperity.Firstly the article has limited the private bank concept,and then within the institutional economic frame,carried on the elaboration to the private banks existence and the development rationale,tried hard to provide a solid theory platform for the following analysis.After plenty of theoretical analysis,the article focused on the unbalanced situation of Chinese financial structure.Currently the reform of our country monetary system faces a prominent question: in the process of constructing the socialist market economy in our country,the development of the economic system of many kinds of levels and the sole monetary system structure has been unbalanced.This unbalance enables the market access to the private bank becoming a inevitably choice of the monetary system innovation in our country.Then this paper uses the method of SWOT to sum up the strengths,weaknesses,opportunities and threats of Chinese private Banks market access,and combines with the experiences and lessons of the United States,Japan,Germany and Chinese Taiwan,and then uses the actual case to analyze the problems in the market access of Chinese private Banks.Finally this paper presents the basic principles of market access,seeking the solution that fits the situation of Chinese development strategy mostly,regulating the institution of private Banks market access,establishing the reasonable financial regulatory system,establishing the threshold of the effective access conditions and sound exit mechanism,causing effective and healthy development of financial market in China. |
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