民间资本进入商业银行的壁垒-金融学专业毕业论文.docxVIP

Ab Ab stract The commercial banking is the pillar of China’S financial market and plays an irreplaceable role in maintaining international financial stability and promoting the smooth development of the national economy． However,the commercial banking in our country was established before the market economy system was established．Although state-owned banks have experienced several maj or reform，but there are still many problems，such as unclear property rights，non-separation between authority and enterprise，lack of market competition，monopoly power over high and low efficiency and SO on．Therefore，it is necessary to continue to promote the reform of state．owned banks． Private capital is an indispensable and important force in China’S economic and social development．With the process of reform and opening up in China for more than 30 years，the private capital has been greatly developed．However，due to the imperfect financial market in our country and the narrow investment channels，private capital in order to pursue high profits，speculative housing market，livdihood supplies，etc． It constantly stir fry to make a bubble and inflow into private capital lending market on a large scale．SO private capital bear a high risk with a ¨money¨gamble，which is not effectively play its real role．The introduction of private capital into the commercial banking is an effective way to solve the problems of state-owned banks and private capital．By using the clarification of property rights of private capital，we can solve the problem that the main body of state—owned banks’property right is not in place，restrict the non market government behavior of the state—owned commercial bank．the entry of private capital will aggravate 万方数据 the the competition of the whole banking industry，and break the existing monopoly power．Banks will not only rely on income of interest difference to improve the income and will enhance the service， differentiated competition，optimize management to strengthen thei