The Research On The Development Of Private Banks In China

The development of the private banks in China is highly focused by the banking industry and private enterprises.The development of private banks is the important step in the transformation of China's banking industry.It is expected that private banks can promote the competition,break the monopoly of state-owned banks and resolve the problem that it is difficult for middle and small-sized enterprises to finance.To meet the demands of inclusive finance,the regulatory departments gradually lower the thresholds for private capitals to enter the banking industry and the pilot work of private banks has entered into the fourth year with a generally steady situation.The mode of establishing private bank in the forms of on-line finance,ecological circle,regionalization,etc.,provides new vitality for the traditional market.However,operation faces difficulties even though it is easy to initiate.Due to the limitation of business qualifications,private banks encounter problems such as the lack of differentiated developments,the single profit structure,etc.Especially faced with the economic downturn and the highly-competitive finance market,private banks have begun to fall into the development difficulties.Private banks need to develop a bank-enterprise two-way shareholding mode,which is confirmed as one important way out for the future development of private banks through Paired T Test Model and Wilcoxon Signed Rank Test Model.It is also necessary to promote its further development through its own incremental development,business diversification and the refinement of external access conditions as well as regulatory innovation.Under the theoretical framework of Financial deepening Theory and the combination Theory of Industrial Capital and Financial Capital,this paper integrates the national polices and the development requirements of the industry to tease the current development and the way-out for private banks.The first chapter discusses,on the basis of national policy supports and the requirements of financial reform,the researchhotspots at home and abroad,including the importance of the development of private banks,path selection,and access conditions,etc.;the second chapter comprehensively defines private bank from the aspects of property right,asset as well as governing,sorting out the six historical stages of the development of private banks in China from modern times to contemporary times;the third chapter analyzes the strengths and weaknesses of private banks in the current development conditions.Especially,a multiple linear regression model on the hidden dangers of risk control is introduced and it is indicated that it is necessary to pay more attention to the non-performing loan ratios,efficiency ratios and current ratios in terms of operational risks in the future;the fourth chapter teases the development experiences of community banks in America and China's private banks in the modern times in a systematic way;the fifth chapter proposes feasible suggestions to perfect the development of private banks from the perspectives of internal modification and external construction.