我國發(fā)展民營銀行的可行性研究

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目 錄
摘要………………………………………………………………………………1
Abstract ………………………………………………………………………2
引言………………………………………………………………………………3
第1章 民營銀行理論概述…………………………………………………4
1.1 民營銀行的概念 ……………………………………………………………4
1.1.1民營銀行的定義 ……………………………………………………………4
1.1.2民營銀行的發(fā)展歷程 ………………………………………………………4
1.2 我國發(fā)展民營銀行的理論支持………………………………………………5
1.2.1制度變遷理論 ………………………………………………………………5
1.2.2產(chǎn)權結構理論 ………………………………………………………………6
1.2.3委托代理理論…………………………………………………………………6
1.2.4銀行動態(tài)成長和銀行分層理論 ………………………………………………7
第2章 我國發(fā)展民營銀行的可行性 ……………………………………8
2.1 當前我國發(fā)展民營銀行的有利條件…………………………………………8
2.1.1有利的金融環(huán)境是契機 ………………………………………………………8
2.1.2具有法定的準入資格 …………………………………………………………8
2.1.3有政府政策的大力支持 ………………………………………………………8
2.1.4我國民營試點工作穩(wěn)步推進 …………………………………………………9
2.2 當前我國發(fā)展民營銀行的主要障礙…………………………………………10
2.2.1公眾對民營銀行信任不足 ……………………………………………………10
2.2.2面臨壟斷市場的挑戰(zhàn) …………………………………………………………11
2.2.3防范經(jīng)營風險是一大難題 ……………………………………………………12
第3章 我國發(fā)展民營銀行的路徑選擇和政策建議……………………………13
3.1 民營銀行發(fā)展路徑選擇………………………………………………………13
3.1.1市場準入原則 ………………………………………………………………13
3.1.2設立方式的選擇………………………………………………………………13
3.1.3市場實踐定位…………………………………………………………………14
3.1.4公司內(nèi)部控制制度建設 ………………………………………………………14
3.2 發(fā)展民營銀行的政策建議 ……………………………………………………16
3.2.1改革完善現(xiàn)有銀行監(jiān)管體系……………………………………………………16
3.2.2強化市場進入和退出機制 ……………………………………………………16
3.2.3科學安排存款保險制度 ………………………………………………………16
3.2.4制定相關扶持政策，落實發(fā)展初期的保護措施…………………………………17
結束語………………………………………………………………………………18
參考文獻……………………………………………………………………………19


[摘要] 2013年以來，在經(jīng)濟增速回落的背景下，我國政策動向接二連三，為設立民營銀行亮起綠燈。自“金融十條”之后，各地民間資本紛紛遞交申報設立民營銀行的材料，謀求涉足金融領域的機會，我國開始了新一輪的民營銀行試點。本文立足于我國金融改革深化背景下民營企業(yè)掀起的“銀行熱”，先對民營銀行的概念進行了簡要介紹，再結合制度變遷理論、產(chǎn)權結構理論、委托代理理論以及銀行動態(tài)成長和銀行分層理論，從理論層面闡述了我國發(fā)展民營銀行的必要性。本文從金融環(huán)境、法律條件、政府政策和開展的試點等方面進行分析，概括出當前我國發(fā)展民營銀行的有利條件和主要障礙，并就如何充分利用有利條件克服發(fā)展障礙進行相關探討。最后經(jīng)過上述分析，對我國發(fā)展民營銀行的路徑選擇和相關政策提出一些可行性的建議。希望通過本文的研究，可以給我國發(fā)展民營銀行提供一定的幫助。

[關鍵詞] 民營銀行；可行性；公眾信任風險


Feasibility study of the development of private banks

Abstract: Since 2013, under the background of economic growth rate dropping down, China has launched one policy after another,holding the green light for the establishment of private banks. Since the "financial Ten" around private capital have declared the establishment of private banks to submit material, and seeking opportunities to get involved in the financial sector. China has began a new round of private banks Pilot. This article is based on the context of the deepening of China's financial reform and private enterprise off the "bank hot", the first concept of private banks were brief, combined with institutional change theory, the structure of property rights theory, agency theory and the dynamic growth of the bank and the bank stratification theory, elaborated from a theoretical necessity of the development of private banks. This paper from the financial environment, legal conditions, government policies and other aspects of the analysis carried out by the pilot, summarizes the favorable conditions for the development of China's private bank and a major obstacle to this, and on how to take advantage of favorable conditions to overcome the obstacles to development related discussion. Finally, after the above analysis, the development of Chinese private bank routing and related policies put forward some feasible suggestions. I hope through this study can give our country the development of private banks to provide some help.

Keyword: private banks; feasibility; Public trust..