Research On The Operation Mode Of Private Banks In China

Sing1978, China's market-oriented economic reform continued to deepen, we have made remarkable achievements. At the same time, the private economy is growing, but because of the reform of China's financial market system is lagging behind, the level of participation of private capital in the financial markets has been low, which severely restricted the development of China's private economy and the national economy, so the development of private economic imperative. At present,more and more intensive national policy support, the establishment of private banks have been gradually liberalized, entered into the stage of concrete implementation.With the opening of the sea before the congregation micro banks, Wenzhou Civil and Commercial Bank, Bank of Tianjin Jincheng, Shanghai Huarui Bank, Commercial Bank of Zhejiang net five pilot private bank, fully demonstrates China has entered a new phase of the financial reform. Key Private Bank development path lies in innovative financial products and services, is "competitive displacement", only based on the regional market segmentation, the transformation of traditional business processes, development for "two small" group features financial products and services in order to reflect their own advantages, formed the core competitiveness.According to the private banks own characteristics, one of the first five private banks to determine into four operating modes: First, the "small depositors small loans", which defines the upper limit of the deposit, the lower set of wealth; the second, "a small deposit loan" absorb small deposits, small loans; third, the "well-kept public loan", that is, only for the individual legal right; fourth, "a specific area of ??deposits and loans", which defines the scope of business, region-wide. Due to the small scale of private banks, whether it is capital or scale can not compete with the big banks, so the market positioning is particularly important. Simply put the following aspects should be market position:(1) customer orientation- small and medium enterprises;(2) product positioning- retail business;(3) located in the community bank;(4) located in the bank characteristics;(5) implementation of inclusive finance;(6) the advantages of using the Internet to conduct financial innovation. In short, the decision to locate its business model based on their needs and support services for SMEs, especially private enterprises to carry out this purpose. Private banks as a new form of financial organizations and institutional arrangements in China's financial control under difficult growing significantly, but its unique function and role has been gradually revealed, and show a strong motivation for the development of China's financial deepening has positive role in promoting.