关于民营银行提高竞争力的思考

Reflections on Private Banks to Improve Competitiveness

我国正在进行金融体制改革,民营银行作为"完善金融市场体系"补充机构正式准入,但是民营银行存在管理经验不足,市场竞争环境不利,优秀管理人才缺乏,管理制度不健全,涉及行业面广等问题,影响了民营银行在金融市场中的竞争力。在当前激烈竞争的市场环境中,民营银行只有提高竞争力,才能保证经营的安全性,流动性,效益性。本文针对民营银行存在的问题,提出了民营银行竞争力提高的对策。

Private banks,as supplementary institutions of ＂improving the financial market system＂,are formally admitted in our financial system.The problems in private banks,such as lack of management experience,unfavorable competitive environment,lack of outstanding management personnel,imperfect management system,and involving a wide range of industries,affect the competitiveness of private banks in financial market.In the highly competitive market environment,only improve the competitiveness of private banks,can the safety of operations,mobility,and effectiveness be ensured.In this paper,some advice is given to improve the competitiveness of private banks.