新形势下民营银行转型发展研究——以浙江台州民营城商行为例

Research on the Transformation and Development of Private Banks under the New Situation : A Study on the Private City Commercial Banks in Taizhou

民营银行试点推进的增量改革与民营资本参股各地城商行的存量改造相结合,使中小银行的民营化成为一种趋势,银行业发展进入新阶段。浙江台州的3家民营城商行已经成功运作近30年,其小微金融模式得到李克强等中央领导同志的肯定,在经济"三期叠加"、金融"两化"的新形势下,其积极转型发展,打造小微金融模式升级版,其经验做法走在全国前列,其面临问题也具有一定前瞻性和代表性,可为试点民营银行和全国各地民营化中小银行提供参考借鉴。

The pilot reforms and the share reforms of banks make the privatization of small-medium banks become a kind of trend. The three private city commercial banks in Taizhou have successfully operated for nearly thirty years, and their microfinance mode is appreciated by Li Keqiang and some other state leaders. They promote the transformation and development and update the microfinance mode under the new situation. Their practice locates in countrywide front row and the challenges that they faced up are proactive and representative, which can provide reference for private banks and national small-medium banks all over the country.