本文選題：民營銀行 + 經(jīng)營模式　； 參考：《湖南大學》2014年碩士論文

【摘要】：在目前我國民營經(jīng)濟快速發(fā)展，為我國經(jīng)濟發(fā)展做出巨大貢獻，成為經(jīng)濟發(fā)展的巨大推動力的同時，許多民營企業(yè)尤其是中小企業(yè)卻很難從目前國有控股體制的商業(yè)銀行體系中得到信貸支持，導致許多民營企業(yè)經(jīng)營出現(xiàn)困難；在我國經(jīng)濟其他領(lǐng)域的民營化程度不斷加深的同時，金融領(lǐng)域的民營化卻遠遠落后，尤其是銀行領(lǐng)域，民營銀行所占的比重微乎其微，并導致我國金融配置效率較低；在我國許多中小企業(yè)面臨融資難問題的同時，國內(nèi)卻有充裕的居民儲蓄資金，，但苦于有限的儲蓄投向選擇，導致民間借貸的盛行；在民營資本在本國遭受歧視，進入銀行業(yè)的困難重重的同時，外資銀行在我國卻享有多項政策優(yōu)惠，表現(xiàn)出良好的發(fā)展勢頭，導致了對我國金融安全性的憂慮。這一對對矛盾，均顯示出發(fā)展并壯大我國的民營銀行的迫切性。本文以我國民營銀行發(fā)展最為突出的浙江省的民營銀行為研究對象，并選取浙江省內(nèi)經(jīng)營表現(xiàn)最為突出、經(jīng)營模式最具特色的兩家民營銀行——臺州銀行和浙江泰隆商業(yè)銀行為代表進行深入分析，試圖為浙江省乃至全國的民營銀行的發(fā)展提供可參考的一些建議。 本文從民營銀行的定義入手，對其定義進行了界定，認為民營銀行是由民間資本控股，采用市場化機制經(jīng)營，由股東自擔風險、自負盈虧的股份制商業(yè)銀行。并對發(fā)展民營銀行的作用及民營銀行的優(yōu)勢進行了分析。 重點分析了以臺州銀行和浙江泰隆商業(yè)銀行為代表的浙江省民營銀行的經(jīng)營狀況和經(jīng)營特點，而這些經(jīng)營特點也是這些民營銀行取得良好經(jīng)營業(yè)績的關(guān)鍵，這些寶貴經(jīng)驗可供其他地區(qū)的民營銀行以及即將設(shè)立的新的民營銀行提供參考。本文還剖析了這兩家民營銀行在發(fā)展中所存在的一些問題，而這些問題在民營銀行中具有一定的普遍性，如資產(chǎn)規(guī)模較小、貸款過度集中、業(yè)務(wù)范圍狹窄、人才匱乏和民營銀行發(fā)展的外部環(huán)境不健全。 最后，針對所分析考察出的浙江省民營銀行的發(fā)展問題，提出了相對應(yīng)的對策和建議，包括：擴大資本補充方式、完善風險控制機制、大力發(fā)展中間業(yè)務(wù)、謹慎對待快速擴張、加強人才隊伍建設(shè)和完善民營銀行發(fā)展的外部環(huán)境。
[Abstract]:At present, the rapid development of private economy in our country has made great contributions to the economic development of our country and become a huge driving force for economic development. However, many private enterprises, especially small and medium-sized enterprises, find it difficult to get credit support from the commercial bank system of state-owned holding system, which leads to the difficulties in the management of many private enterprises. While the degree of privatization in other fields of economy in our country is deepening, the privatization of financial field is far behind, especially in the field of banking, the proportion of private banks is very small, which leads to the low efficiency of financial allocation in our country. At the same time, many small and medium-sized enterprises in our country are faced with the problem of financing, but there are abundant residents' savings funds in our country, but they suffer from limited savings investment, which leads to the prevalence of private borrowing, and at the same time, private capital is discriminated against in our country. At the same time, the foreign banks enjoy many preferential policies in our country, showing good development momentum, which leads to the worry about the financial security of our country. This pair of contradictions shows the urgency of developing and strengthening the private banks in our country. This paper takes the private banks in Zhejiang Province, which is the most outstanding development of private banks in China, as the research object, and chooses Zhejiang Province as the most outstanding operating performance. Two private banks, Taizhou Bank and Zhejiang Tai long Commercial Bank, which are the most characteristic private banks in the business model, are analyzed in depth in order to provide some suggestions for the development of private banks in Zhejiang Province and even in the whole country. This paper starts with the definition of the private bank, and points out that the private bank is a joint-stock commercial bank controlled by private capital, operated by market-oriented mechanism, at the risk of the shareholders and responsible for their own profits and losses. And the role of developing private banks and the advantages of private banks were analyzed. This paper mainly analyzes the management status and management characteristics of Zhejiang private banks, which are represented by Taizhou Bank and Zhejiang Tailong Commercial Bank, which are also the key factors for these private banks to achieve good business performance. These valuable experiences can be used as reference for private banks in other regions as well as new private banks to be set up. This paper also analyzes some problems existing in the development of these two private banks, and these problems have certain universality in the private banks, such as the small scale of assets, the excessive concentration of loans, the narrow scope of business. Lack of talents and the external environment of the development of private banks is not perfect. Finally, in view of the development problems of private banks in Zhejiang Province, the corresponding countermeasures and suggestions are put forward, including expanding capital supplement, perfecting risk control mechanism, developing intermediary business vigorously, and treating the rapid expansion with caution. Strengthen the construction of talent team and improve the external environment for the development of private banks.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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