摘要：在我国金融市场开放,国有银行股份制改革，引入国际金融资本之际,为了我国金融市场的发展，应提高发展本国的民营银行和金融机构的力度,其发展前景和将要如何发展,是本文所要论述的重点。本文将对我国民营银行的发展及发展所需选择的策略进行较为深入的分析，以我国金融发展的基本理论和我国民营银行的发展的相关最新情况为基础。我国国民经济体系在十一届三中全会定调经济体制改革后发生了根本性变化，在国民经济中的比重中非国有经济在不断加深，同时国民收入分配格局和融资主体也发生了根本性变化，要推动我国经济加速发展民营经济已经成为不可或缺的力量，但是,由于存在种种因素,造成了市场的非有效竞争，比如我国并没有打破金融领域的垄断和众多中小企业在特别少的情况下还面临融资难的问题，这也正是我国目前的难题--民间资本多，但投资渠道少、民营企业多，但信贷融资少。因此，如何引导民间金融健康有序发展，使民间资金从地下走到地上，是我国金融体质改革的一场攻坚战。

众所周知，民营银行的问题是近几年学术界讨论得最多，争议最多的，但是从整体趋势上看，发展民营银行，打破我国国有银行垄断的局面已经在我国众多学者以及金融专家里形成一种共识。所以本文从理论出发，运用实证探究我国民营银行发展的环境和条件以及行业机会和前景，寻找出加快民营银行发展的对策，从而得出我国发展民营银行的重要性。本文架构由引言和四大部分组合论述。先从引言讲述选题的背景及其意义，对国内外理论在民营银行问题上的理论综述，并由此延伸到我国研究现状，理清本文的思路框架及研究内容。50470

毕业论文关键词：民营银行，SWOT，发展对策

The Development and Strategy of Private Banks in China

Abstract：

When China’s financial market is open .the reform of state-owned banks and introduction of international financial capital. We should improve the strength of private banks and financial institutions found for the development of China’s financial market. It’s development prospects and how to develop is the focus of this paper. This paper will make a more in-depth analysis of the development of private banks in China and the strategies for development which is based on the basic theory of China’s financial development and the development of private banks in China.

Our national economy has undergone a fundamental change in the third Plenary Session of the 11th CPC Central Committee set the tone for the reform of the economic system. the non-state economy is deepening in the proportion economy. And at the same time, the national income distribution pattern and the financing subject also had the fundamental change. To promote China’s economy to accelerate the development of private economy has become an indispensable force. Due to various factors the market is not effective competition. For example, our country does not break the monopoly of the financial sector and many small and medium enterprises in the case of a special situation is also facing the problem of financing difficulties. These are also the problem of our country at present---More private capital, but less investment channels and more private enterprises, but less credit financing. Thus, how to guide the healthy and orderly development of private finance and let private funds from the ground down to the ground is a battle of the financial reform in our country.

As everyone knows, the problem of private banks is the most controversial topic in recent years, but from the overall trend, however, developing private banks and breaking the monopoly of state-owned banks in China has formed a consensus among many scholars and financial experts in China. So this paper starts from theory, with the environment and conditions for the development and the industry opportunities and prospects of private banks in China by empirical analysis.to find out the countermeasures to speed up the development of private banks. In order to draw the importance of the development of private banks in China. This paper is composed of the introduction and four parts. First, from the introduction about the background and significance of the topic and the theoretical summary of domestic and foreign theories on private banks, and it extends to the research situation of country, to sort out the framework and research contents of the article.