摘要：随着外资银行的大举进入，在较长的一段时间内，我国金融市场外资银行比中资银行有着明显的竞争优势。因此，对内开放，打破我国现有的金融垄断的局面，允许国内的民营银行的市场准入，这已经在许多金融专家和经济学者中达成共识。发展民营银行不但有利于壮大中资银行的发展力量，也是我国当前金融体制深入改革的重要方向。现阶段，我国的民营银行的发展还处于探索阶段，本文以中信银行为例，简述我国民营银行的发展现状。并分别从远程开户、法律制度、风险防范能力、业务结构、市场准入退出机制等方面分析民营银行所存在的问题。在此基础上，借鉴印尼银行的发展提出建议对策以促进发展民营银行的良好发展，如完善《商业银行法》、提高防范风险能力等。

关键词：民营银行；民间金融；民营企业

A Study on the Development Countermeasures of Private Banks

Abstract：With the large-scale entry of foreign banks, in a long period of time, China's financial markets, foreign banks than Chinese banks have a clear competitive advantage. Therefore, the internal opening, breaking the existing financial monopoly of China's situation, allowing domestic private banks to market  access,  which has been in many financial experts and economists to reach a consensus.  The development of private banks is not only conducive to the development of Chinese banks, but also the important direction of China's current financial system in-depth reform. At present, the development of private banks in China is still in  the exploratory stage. This paper takes CITIC Bank as an example to outline the development of private banks in China. And analyzes the existing problems of private banks from the aspects of remote account opening, legal system, risk prevention ability, business structure and market access exit mechanism respectively. On this basis,drawing on the development of the Bank of Indonesia  proposed countermeasures to promote the development of private banks in the good development, such as improving the "Commercial Bank Law" to improve the ability to prevent risks.

Key words: private banks; private finance; private enterprises

目录

0引言 1

1民营银行的基本概述 1

1.1民营银行的概念 1

1.2民营银行的特征 2

1.3民营银行的设立模式选择 3

2我国民营银行的发展现状 4

2.1我国民营银行的发展历程 4

2.2我国民营银行的整体发展现状 5

2.3我国民营银行发展现状的典型案例——中信银行 5

3我国民营银行存在的问题 7

3.1《商业银行法》尚不完善 7

3.2远程开户受实质性限制 8

3.3风险防范能力弱 9

3.4业务结构不平衡 10

3.5准入、退出机制不健全 10

4促进我国民营银行发展的对策建议 11

4.1完善《商业银行法》 11

4.2进一步开放对远程开户的限制 11

4.3正视风险提升防范风险能力 12

4.4调整自身业务结构