银行相关论文.doc

民营银行发展存在的问题及对策分析 ——以中国民生银行为例 专业：金融学 班级：2012级1班 学号：121234124 姓名：张林 答辩日期： 2016 年 6 月 13 目 录 摘 要 1 Abstract 2 引言 3 1中国民生银行的发展状况 5 2 民营银行存在的问题 8 2.1 公信力缺失问题 8 2.2人才缺失问题 8 2.3市场竞争力薄弱问题 9 2.4关联交易问题 9 2.5创新能力问题 10 2.6信用担保问题 10 3 针对民生银行的问题提出决绝途径 12 3.1树立良好的品牌信誉 12 3.2全面提升员工素质 13 3.3增加政策支持，提高竞争能力 13 3.4借力存款保险，提升民营银行的信用 14 3.5加大研发和创新力度 14 3.6加强对民营银行的监管 15 结 论 7 致 谢 8 参考文献 9 摘 要 我国进行经济体制改革之后 ，多种经济成分并存的格局逐步形成。尤其是民营经济迅速发展而产生的巨大融资需求，是民营银行的兴起和发展经济基础；随着金融领域限制的不断减少，国有大银行的垄断地位也随之下降。为民营银行的兴起和发展提供了新契机；信息技术的发展导致互联网为民营银行提供了；在一定程度上增强银行业为小微企业和个人提供金融服务的能力十三五期间民营银行限制将逐步减小，民营银行重大机遇服务三农领域的目标。2015年 6月止，除中国民生银行之外已有5家民营银行正式开业我国民营银行发展已取民营银行的发展，问题和风险也不断的暴露出来。本文以最大、最早的民营银行--中国民生银行为例，通过实习调研民生银行经营发展过程中存在的问题，探究解决民营银行发展途径。为我国民营银行的发展提供可行性的建议。 关键词： 民生银行；商业银行；经营发展 Abstract After entering the new era of reform and opening-up， Chinas financial market has seen a surging vitality in the past three decades。With China keeping removing the limitation in financial field, state-owned banks has thus been impacted and seen their predominance weakened. instead, private banks which offer personal and high-end financial services to their selected customers who own plenty of net assets, are emerging as new centers where wealth are gathered. and more and more rich people are. coming in sight these years, which generates a growing demand for high-level financial products and makes these private banks become their first choice. On the one hand, private banks develops so fast that they boost the wholeness of Chinas financial system. On the other hand, however,as shareholders of banks, private banks,combined with relevant flaws in laws and themselves are also involved with some troubles, such as lack of credibility,the shortage of talents, weak competitiveness, related transaction, single products, absence of innovation, and loan guarantee problems. This article aims at sort out these problems and