2014年7月,银监会宣布批准三家民营银行成立标志着此前社会呼声很高的民营银行于近日正式破题,并开始走向实质性发展阶段。2003年修改后的《商业银行法》将“安全性、流动性和盈利性”作为商业银行经营发展的三个基本原则,促使银行做到自主经营、自担风险、自负盈亏、自我约束。民营银行要想在未来的金融体系中发展壮大起来,首先应满足三性原则的要求。但目前来看,民营银行要完全做到这些仍然存在不少差距。 In July 2014, the CBRC announced the approval of the establishment of the three private banks, marking the earliest public talk of private banks in the recent formal debacle and the move to a substantive stage of development. The “Commercial Bank Law” revised in 2003 regards “security, liquidity and profitability” as the three basic principles for the operation and development of commercial banks, prompting banks to operate their own businesses at their own risk, self-financing and self-restraint . If private banks want to grow and develop in the future financial system, they should first meet the requirements of the principle of three-parties. However, for the moment, there are still many gaps between private banks in achieving these goals.