我国民营银行发展对策研究

发布时间：2018-01-15 15:02

本文关键词：我国民营银行发展对策研究　出处：《首都经济贸易大学》2015年硕士论文　论文类型：学位论文

【摘要】：2013年11月15日,党的十八届三中提出在加强监管的前提下,允许具备条件的民间资本依法发起设立中小型银行;去年上半年,银监会批准首批5家民营银行试点,7月25日和9月29日,5家民营银行正式获准筹建;2015年1月,深圳前海微众银行正式获批开业。此次民营银行的“放行”引起了社会的广泛关注,然而社会各界对于我国民营银行发展前景的态度也是喜忧参半,民营银行发展也是机会与挑战并存的。设立民营银行的初衷是将竞争机制引入金融领域,打破目前国有银行高度垄断、所有制较为单一的金融结构,有利于规范我国的地下金融,是我国深化改革在金融领域的关键之举。本文以民营银行的相关理论为基础,分析了民营银行的比较优势以及发展我国民营银行的重要性,然后对目前我国民营银行的发展现状进行了深入的剖析,并总结出了民营银行发展中存在的主要问题,最后借鉴境外经验从法律制度、政府监管、民营银行自身发展等方面提出了相关的对策建议。
[Abstract]:In November 15, 2013, the Third Plenary Session of the eighteen Central Party under the premise of strengthening supervision, allowing qualified private capital to initiate the establishment of small and medium banks; the first half of last year, the CBRC approved the first batch of 5 private banks pilot, in July 25th and September 29th, 5 private banks were allowed to build; in January 2015, Shenzhen Qianhai micro focus bank officially approved the opening of the private bank. "Release" has aroused widespread concern in society, but society attitude for the development prospects of China's private banks is also mixed, and challenges in the development of private banks is also opportunities. The establishment of private bank's intention is to introduce competition into the financial sector, to break the monopoly of state-owned banks, the financial structure of all the system is single, is conducive to the underground financial rules in our country, is the key to deepen the reform in the financial sector based on private move. The relevant theory of Bank Based on the analysis of the comparative advantage of private banks and the importance of the development of private banks in China, and then makes a deep analysis on the current development of private banks in China, and summarizes the main problems existing in the development of private banks, finally from the overseas experience from the legal system, government regulation, put forward the related countermeasures and suggestions of private bank's development.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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