我国民营银行的市场定位及发展方向分析（Analysis of market orientation and development direction of private banks in China）.doc

我国民营银行的市场定位及发展方向分析（Analysis of market orientation and development direction of private banks in China） Abstract: the role of private banks in the financial system of a country can not be ignored, and the establishment of private banks is directly related to the potential of a countrys future development and the growth of the national economy. At the present stage of our country, there is a more accurate market positioning and clear the direction of development of the private banks, private capital, to reduce the burden on the government and defuse financial risks, has very important significance to improve Chinas financial system. Starting from the financial environment, this paper analyzes the definition and market positioning of private banks, and analyzes the necessity of developing private banks. Key words: private banks; market positioning; development direction I. Analysis of the necessity of developing private banks The private bank is relative to the state-owned banks, as long as the banks property rights for all managers by private, independent management, for the purpose of profit, asset owners on net profit distribution right, such a bank is a private bank. 1., construct modern financial organization system to adapt to the development of market economy The modern financial organization system should be a multi-level and diversified system, including state-owned, joint-stock, cooperative and private institutions. The deepening development of the market economy has promoted the coexistence of a variety of ownership economies, and objectively called for the development of non-state financial institutions such as private banks. 2., we should promote the innovation of the financial system and improve the efficiency of the allocation of financial resources The development of private banks will have a profound impact on the development of Chinas financial industry. The private banks are completely developed according to the objective law of the market economy, b