毕业论文（参考）民营银行发展的难点和对策_初稿阶段_1稿.doc

民营银行发展的难点和对策 摘要 民营银行是一个颇具中国特色的概念，直观地说，凡不属于政府或国家直接经营的银行均可视为民营银行。民营银行是我国金融体系中的新型血液，高度垄断的金融体系需要民营银行介入而焕发新的生命力。民营银行是以财富管理为核心，向拥有高净资产的私人客户提供的一种个性化的高端金融服务。它的建立与发展将对我国经济、金融的规范发展发挥着举足轻重的作用。面对目前复杂的经济金融形势，目前我国大多数民营银行仍处于投入和扩张的初级阶段，存在一些难点使得其发展比较缓慢。本文分析了我国民营经济发展中出现的主要问题，提出促进民营经济发展的建议。 关键词：民营银行 难点 对策 建议 Difficulties and Countermeasures of development of private banks Abstracts The concept of private bank is a Chinese characteristics quite, intuitively, that do not belong to the government or the state business Banks can be treated as private Banks directly. Private bank is the new blood in the financial system of China, highly monopoly of the financial system needs private Banks to step in and glow the new vitality. Private Banks in wealth management as the core, to have a high net worth private clients with a personalized high-end financial services. The establishment and development of it will be the specification of the countrys economic and financial development plays a vital role. In the face of the current complex economic and financial situation, at present our country most private Banks are still in the early stages of investment and expansion, there are some difficulties in making its development slowly. This paper analyzes the main problems of developing private economy in our country, put forward Suggestions to promote the development of private economy. Keywords: Private Bank Difficulty Countermeasures Advice 目录 1、绪论 5 2、民营银行发展现状分析 7 2.1民营银行发展的优势 7 2.1.1产权制度优势 7 2.1.2信息和成本优势 8 2.1.3灵活的经营机制优势 8 2.2民营银行发展的劣势 8 2.2.1我国民营银行规模、信用劣势的客观存在 8 2.2.2我国民营银行在品牌和声誉方面的劣势 8 2.2.3我国民营银行的经营人才缺乏 9 2.2.4我国民营银行在公共关系方面的劣势 9 2.3民营银行发展的机会 9 2.4民营银行发展的威胁 10 2.4.1国有银行、股份制商业银行的全面竞争 10 2.4.2法律、法规的不完善与征信体系的不健全 10 2.4.3我国民营银行的内控制度不力，成为影响其安全的隐患 11 2.4.4外资银行的进入可能引起我国民营银行的客户和人才流失 11 3、民营银行发展的难点 11 3.1民营银行发展的外部制约 11 3.1.1我国民营银行发展缺乏良好的社会信用环境 11 3.1.2民营银行产权制度和市场准入、退出制度尚不完善 12 3.1.3我国民营银行配套的法制系统不够健全 12 3.2民营银行发展的内部制约 12 3.2.1民营银行发展思路缺乏前瞻性 12 3.2.2我国民营银行股权结构不合理，治理结构失灵 13 3.2.3我国民营银行市场定位不准，创新能力低 13 3