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中国民营金融业的发展可真不容易。千呼万唤,首批试点民营银行终于获准筹建。消息传来,市场反响强烈。从担保公司、小额贷款公司到银监会7月25日正式批准深圳前海微众银行、温州民商银行、天津金城银行三家民营银行的筹建申请,纯民间资本作为发起人成立银行机构正式破冰。中国民营企业创办银行走过了漫长的路途,个中艰辛,想必也只有当事者才能切身体会了。三家民营银行的成立为何引起如此反响?中国缺银行吗?中国不缺银行,缺的是为广大小微企业服务的银行。除天津金城定位对公业务外,前海微众的定位是个人消费者和小微企业,温州民商定位于小微企业、
The development of China’s private financial industry can not be easy. Long-awaited, the first batch of pilot private banks finally allowed to build. The news came, the market reacted strongly. From guarantee companies, small loan companies to China Banking Regulatory Commission, the formal approval of the preparation and establishment of three private banks, Shenzhen Qianhai Weizhong Bank, Wenzhou Commercial Bank and Tianjin Jincheng Bank, was officially launched on 25 July. Pure private capital as a promoter set up a banking institution to officially break the ice. The founding of Chinese private banks has come a long way, one of the difficult, presumably only the parties to personal experience. Why did the establishment of three private banks arouse so much reaction? Is China lacking a bank? There is no shortage of banks in China. What is lacking is the bank serving the small and micro enterprises. In addition to Tianjin Jincheng positioning of the business, Qianhai micro-positioning is individual consumers and small and micro enterprises, located in Wenzhou micro-commercial and micro-businesses,