Cold Thinking After The Establishment Of "Private Banking Fever"

< p > recently, the first batch of five pilot projects of < a href= "http://www.91se91.com/news/index_c.asp > > private banks < /a > were officially launched. Pilot projects will be launched in Tianjin, Shanghai, Zhejiang and Guangdong respectively, including 10 private enterprises including Alibaba and Tencent.

Allowing the establishment of private banks is a major step in deepening China's financial reform.

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For a long time, financial restraint has hindered the development of China's financial industry, distorted the financial structure system, and hindered the smooth flow of social industry financing relations. P

On the one hand, the channels for pforming private capital and savings to investment are sluggish. On the other hand, a large number of small and medium enterprises can not solve the problem of loans for a long time, and private financing has become the main channel of financing for small and medium-sized enterprises.

This makes the shadow banking popular, and the financing cost of the whole society is high. It also makes the pformation and upgrading of the small and medium-sized private enterprises difficult.

In this sense, private banks are the hope to solve the financing difficulties of small and micro enterprises.

At present, China is unswervingly pushing ahead with financial reform and opening up, optimizing the financial structure, improving the financial market system, and vigorously developing private banks. It is an inevitable choice to deepen the reform of < a href= "http://www.91se91.com/news/index_cj.asp" > Finance < /a >.

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< p > however, for existing banks, the lifting of private banks is undoubtedly a plus for competition.

Although the large commercial banks and other joint-stock commercial banks almost monopolize the large customers, the competition between small and micro finance, private banking customers and small and medium-sized banks is a comprehensive homogenization competition. In recent years, all banks, including the four banks, have launched a nearly white hot competition in small and micro financial businesses.

It can be said that in the medium and long term, the position of large commercial banks can not be shaken, but if they do not have long-term planning in the market positioning, business mode and profit mode, and occupy the leading edge of characteristics, it is difficult to ensure that there will be no worries in the future.

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After the the third Plenary Session of the 18th CPC Central Committee meeting of the Communist Party of China (P), more than 100 private enterprises lined up to apply for the establishment of private banks.

With the dust of the pilot scheme settled, the private banks need more cool thinking after the launching of the upsurge.

First, whether private banks can win a good market environment in the short term and meet the financing needs of SMEs need further observation.

Secondly, the private banks themselves are small and weak, and the service SMEs will bring uncertainty in operation. Moreover, the natural profitability of private capital will make their risk coefficient higher than that of large banks.

Thirdly, if the enterprises involved in the establishment of private banks regard the pformation and development of the banking industry as a tool for their own enterprises to raise funds, then the prospects of private banks may not be optimistic.

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< p > there are several key points that can not be ignored at present: opening private capital into the banking system or setting up private banks requires scientific and rational planning, detailed rules and regulations, and careful eligibility on access conditions, including the qualification of the promoters, the way of initiating the establishment, the delimitation of relations with affiliated enterprises, the management orientation and the business development plan.

In addition, we should establish the risk sharing and security mechanism from the national level, such as the establishment of private bank deposit insurance mechanism, regulatory mechanism, market withdrawal mechanism and other necessary organizations, procedures, and implementation of the guarantee function system, so that private banks have the basic system and the implementation system escort, enjoy a practical policy environment and the "a href=" "http://www.91se91.com/news/index_s.asp" > the market < /a > environment atmosphere.

Only in this way can the private banks get real development.

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