我國民營銀行發(fā)展對(duì)策研究

發(fā)布時(shí)間：2018-01-15 15:02

本文關(guān)鍵詞：我國民營銀行發(fā)展對(duì)策研究　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：2013年11月15日,黨的十八屆三中提出在加強(qiáng)監(jiān)管的前提下,允許具備條件的民間資本依法發(fā)起設(shè)立中小型銀行;去年上半年,銀監(jiān)會(huì)批準(zhǔn)首批5家民營銀行試點(diǎn),7月25日和9月29日,5家民營銀行正式獲準(zhǔn)籌建;2015年1月,深圳前海微眾銀行正式獲批開業(yè)。此次民營銀行的“放行”引起了社會(huì)的廣泛關(guān)注,然而社會(huì)各界對(duì)于我國民營銀行發(fā)展前景的態(tài)度也是喜憂參半,民營銀行發(fā)展也是機(jī)會(huì)與挑戰(zhàn)并存的。設(shè)立民營銀行的初衷是將競(jìng)爭(zhēng)機(jī)制引入金融領(lǐng)域,打破目前國有銀行高度壟斷、所有制較為單一的金融結(jié)構(gòu),有利于規(guī)范我國的地下金融,是我國深化改革在金融領(lǐng)域的關(guān)鍵之舉。本文以民營銀行的相關(guān)理論為基礎(chǔ),分析了民營銀行的比較優(yōu)勢(shì)以及發(fā)展我國民營銀行的重要性,然后對(duì)目前我國民營銀行的發(fā)展現(xiàn)狀進(jìn)行了深入的剖析,并總結(jié)出了民營銀行發(fā)展中存在的主要問題,最后借鑒境外經(jīng)驗(yàn)從法律制度、政府監(jiān)管、民營銀行自身發(fā)展等方面提出了相關(guān)的對(duì)策建議。
[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.

【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33

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本文編號(hào)：1428840

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