关于中国民营银行发展现状及其存在问题的研究报告

中央财经大学

毕 业 论 文

关于中国民营银行发展现状及其存在问题

的研究

论文作者： 专 业： 学 号： 班 级： 指导教师:

二О 一七 年 月 日

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关于中国民营银行发展现状及其存在问题的研究

摘要

我国成立最早的民营银行当属1996年1月由全国工商联发起组

建中国民生银行,这是我国首家主要由非国有企业入股的全国性股份制商业银行。然而后来随着外资银行的大举进入，在较长的一段时间内，我国金融市场外资银行比中资银行有着明显的竞争优势!现今学术界对民营银行的定义大致可分为产权结构论、资产结构论和治理结构论三种。发展民营银行不但利于加强中资银行的发展力量，也是我国当前金融体制深入改革的重要的前进方向!现阶段，目前我国的民营银行的发展还处于探索阶段，发展“民营银行”并且知道如何发展，在现在已经成为了一个很重要的问题了，在民营经济大发展以及整个金融体制改革的背景下，深入探究我国民营银行的发展之路，即研究如何使我国银行领域出现更多、更强的“民营银行”具有重要的现实意义。民营银行不仅需要发展，而且还需要成长进步，而现阶段国内很多民营银行还存在很多问题，本文从民营银行出发了解其之前的发展过程以及现在状况，努力解决现状，找到一个适合的中国的民营银 行的发展之路，实现其更好更快发展的目标。 关键词：民营银行；现状；发展；问题

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Abstract

Founded the first private Banks in China is in January 1996

bythe national federation of industry and commerce set up China minsheng bank, this is the first major by the non-state-owned enterprises in national shareholding commercial bank. Later, with the sweeping into of foreign Banks, however, in a long time, foreign Banks in the financial market than the Chinese Banks have some obvious competitive advantage! Academic circles to the definition of private Banks can be roughly divided into the theory of property right structure, asset structure and the governance structure of three. Develop private Banks is not only conducive to expand the development of the Chinese bank strength, and is also the important direction of China's current financial system further reform. At present, the development of the private bank of our country is still in the exploratory stage, the development of \\\bank\\\and know how to develop, now has become a very important question, the private economy development and under the background of the whole financial system reform, further study of the development of private Banks in our country, studying how to make the bank appear more and stronger in the field of \\\important practical significance. Private Banks need to

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develop, need to grow, but at present many domestic private Banks still exist many problems, this article embarks from the private Banks understand its development process and present condition, before trying to solve the status quo, to find a suitable way to the development of China's private bank,to achieve its better and faster development goal.

Key words：China's private bank； current situation；

development；problem

目 录

1 我国民营银行的理论概述及其必要性 错误！未定义书签。 1.1 民营银行的理论概述 ........................... 1 1.2 我国发展民营银行的必要性及意义错误！未定义书签。 2 我国民营银行发展现状的分析 ....................... 4 2.1 民营银行的现状 ............................... 4 2.2 民营银行发展的比较分析 ....................... 5 3 我国民营银行发展中存在的问题 ..................... 7 3.1 民营银行服务质量不高 ......................... 7 3.2 民营银行风险控制机制不够健全 ................. 7 3.3 民营银行融资困难 ............................. 7 3.4 民营银行内部治理结构够不完善 ................. 8 3.5 民营银行人才短缺 ............................. 8

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