关于我国发展民营银行的问题研究

发布时间：2018-02-15 06:43

本文关键词： 民营银行金融改革市场机制　出处：《吉林财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：发展民营银行是我国银行业市场化改革的一条重要途径,对于正处在转型阶段的中国经济具有深远的意义。我国市场经济改革已进入了深水区,包括要素禀赋结构、金融结构、经济主体贡献率都在发生变化和调整。银行业作为我国金融服务行业的主体,应该进一步深化改革以匹配实体经济的发展。本文通过对我国现阶段民营银行发展的研究,参考国外先进发展经验,不断完善我国民营银行相关准入、监管、退出机制,发现在我国民营银行改革过程中,可能存在的一系列潜在问题,并提出相关建设性意见,以建立真正服务于中国实体经济发展的民营银行。本文从理论和实际两个角度,对我国发展民营银行过程中的问题进行分析。第一部分为导论,提出了我国发展民营银行研究的背景与研究意义,阐述了国内外学者对民营银行相关问题的研究现状和理论探索,并对创新点和研究不足之处进行揭示。第二部分是民营银行研究的相关理论基础,介绍了民营银行相关概念,从产业组织理论、金融中介理论、金融结构理论三个方面,联系我国民营银行改革分别进行讨论。第三部分是对我国发展民营银行的现状分析。首先,回顾了我国民营资本进入银行业的发展历程,特别是对最新的改革现状进行归纳总结。其次,对我国发展民资银行的宏观环境进行分析,主要是从有经济、制度、社会和技术四个方面来讨论;对我国发展民营银行的微观层面统计数据进行分析。最后,根据我国经济发展的现实情况,指出我国民营银行改革的逻辑演绎。第四部分是分析我国发展民营银行存在的问题,主要包括民营银行机构准入问题、缺乏市场化运营机制和缺乏完备的退出机制三个方面。第五部分是借鉴国内外民营银行发展的先进经验,结合我国自身的经济发展水平,对我国现阶段民营银行发展中存在的问题提出对策建议。
[Abstract]:The development of private banks is an important way for the market-oriented reform of China's banking industry, which is of far-reaching significance to the Chinese economy at the stage of transformation. China's market economic reform has entered deep water areas, including the structure of factor endowments and the financial structure. The contribution rate of economic main body is changing and adjusting. As the main body of financial service industry in our country, the banking industry should further deepen the reform to match the development of real economy. Referring to the advanced development experience of foreign countries, perfecting the relevant admission, supervision and withdrawal mechanism of the private banks in China, finding a series of potential problems that may exist in the course of the reform of the private banks in our country, and putting forward the relevant constructive suggestions. In order to establish the private banks which really serve the development of China's real economy, this paper analyzes the problems in the process of the development of the private banks in China from both the theoretical and the practical angles. The first part is the introduction. This paper puts forward the background and significance of the research on the development of private banks in China, and expounds the current research situation and theoretical exploration of the problems related to private banks at home and abroad. The second part is the theoretical basis of the study of private banks, introducing the related concepts of private banks, from three aspects: industrial organization theory, financial intermediary theory, financial structure theory. The third part is an analysis of the current situation of the development of private banks in China. First, it reviews the development of private capital into the banking industry. In particular, the latest status of the reform is summarized. Secondly, the macro-environment of the development of civilian banks in China is analyzed, mainly from the economic, institutional, social and technical aspects of the discussion; Finally, according to the reality of China's economic development, the author points out the logic deduction of the reform of private banks in China. Part 4th is an analysis of the problems existing in the development of private banks in China. It mainly includes three aspects: admission of private banks, lack of market-oriented operation mechanism and lack of complete exit mechanism. Part 5th refers to the advanced experience of the development of private banks at home and abroad, and combines the level of our own economic development. This paper puts forward some countermeasures and suggestions on the problems existing in the development of private banks in China.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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