The Development Status,Problems and Countermeasures of Private Banks in China
Since entering the new era,based on the practical needs of solving the unbalanced and inade-quate development of China's financial industry and optimizing the financial market structure system,the government has issued a series of policies to support the development of private banks.Private banks have entered the normal operation from the pilot stage,have greatly improved the balance sheet scale and prof-itability,and gradually become the main force serving small and medium-sized enterprises.However,pri-vate banks are currently facing severe challenges due to unclear strategic positioning,corporate governance mechanism to be improved,insufficient capital support and weak ability to resist risks.Therefore,in the future development,private banks should firmly differentiated operation,focus on small and micro,pri-vate,inclusive and other areas;improve the corporate governance mechanism,expand the source of cap-ital;strengthen the construction of talent team,improve the quality of financial services;speed up the dig-ital transformation with financial technology,improve risk identification,prevention and control and reso-lution capabilities.At the same time,government departments should strengthen policy guidance and im-prove regulatory measures to help private banks better serve the real economy.
private bankssmall and medium-sized enterprise financingoperation performance
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