金融可以说是现代经济的核心和枢纽,银行则是金融体系的主体,在多元化以及多层次的经济和产权结构方面也就要有与其相对应的银行体系。在我国国民经济核心的金融体系当中,民营资本的参与程度还不是很高,在改革开放日益的深化,在现有的银行体系和经营模式也在发生着一些变化,它对整个的金融制约的作用愈来愈突出,这同时对我国的民营经济以及国民经济发展有着很大的制约作用,在这一背景下民营银行也就应运而生。本文主要就我国民营银行的发展状况进行阐述,对其发展的制约因素加以分析并找出相对应的解决策略,希望对这一领域的学术发展有所裨益。 Finance can be regarded as the core and hub of the modern economy. Banks are the main body of the financial system. Banks should also have a corresponding banking system in terms of diversified and multi-level economic and property rights structures. In the financial system at the core of our national economy, the participation of private capital is not yet very high. In the deepening of reform and opening up, some changes are taking place in the existing banking system and business model. It is also changing the entire financial system The role of more and more prominent, which at the same time on China’s private economy and the development of the national economy has a great restraining effect, in this context, private banks have also emerged. This article mainly elaborates the development of private banks in our country, analyzes the restrictive factors of their development and finds corresponding solutions, hoping to benefit the academic development in this field.