关于我国发展民营银行相关问题的研究

党的十八大以来，推进民营银行建设和发展的步伐进一步加快。文章分析指出，作为我国金融体系的重要补充，发展民营银行是推动我国金融业改革的有效途径和提升金融业效率的有力推手。当前发展民营银行已具备一定的市场基础，但在路径选择上，应本着“顶层设计和渐进改革”的原则稳步推进，并从存款保险、准入退出机制和运行监管方面完善制度框架，促进民营银行平稳起步、规范健康发展。

A study on developing private banking service business

Since the 18th CPC National Congress, the establishment and development pace of private-owned banks is further accelerated. The article highlights the importance of China＇s financial system in developing private-owned banks as an effective way of promoting financial reform and strong motivation of increasing financial efficiency. At present, there is certain market environment for private-owned banks development. As for the path selection, steady progress should be made based on the principle of ＂top-level design and progressive reform＂. A steady start-up and healthy development of private-owned banks should be promoted by improving the institutional framework of deposit insurance, entry and exit mechanisms and operation regulation.