民营银行在创设初期都不可避免地会面临经营架构、风险控制、专业人才队伍等几大严峻挑战,只有经历了由稚嫩到成熟的艰难发展过程,才能实现持续而稳定的盈利。在成立民营银行主客观条件日益成熟的情况下,2014年3月,五家由民营资本发起的银行终于获准试点,“理想照进了现实”。面对这五家试点民营银行,业内普遍关注的是,民营银行是否会对现有银行造成冲击,民营银行的生存之道,民营银行的风险防控之法,民营银行未来发展前景以及如 Private banks inevitably face serious challenges such as business structure, risk control and professional workforce at their early stage of establishment. Only through the difficult development process from tenderness to maturity, can sustained and steady profits be realized. Under the condition that the subjective and objective conditions for the establishment of private banks have become increasingly mature, in March 2014, five banks started by private capital have finally been approved for pilot projects and the ideal has been taken into account. The face of the five pilot private banks, the industry generally concerned about whether private banks will impact on existing banks, the survival of private banks, private banks risk prevention and control of the future development prospects of private banks and such as