本文依托战略管理理论，以国内民营金融行业为研究对象，以金
融改革背景下民营金融行业的发展现状和优化对策为主要研究问题，
运用实证分析、案例分析、PEST 模型、波特五力模型及 SWOT 分析
等方法进行了较为全面的研究。主要内容包括：分析国内外民营金融
行业理论发展动态与现实发展实践；研究民营金融行业发展现状及问
题，估算民营金融行业的规模；采用 PEST 模型和波特五力模型，科
学分析当前民营金融行业发展的战略环境；运用 SWOT 模型，分析
民营金融行业自身的优势和劣势，以及行业需要面对的威胁和所能利
用的机遇，选择民营金融战略环境优化路径；通过对浙江省尤其是温II
州市民营金融行业的发展历史和发展现状的研究分析，评价所取得的
成果，指出当前民营金融改革所存在的问题；最后在前文研究的基础
上，结合当前行业发展实际，提出我国民营金融行业发展环境的几点
优化对策
分析民营金融行业发展现状和战略环境是本文研究的重要内容，
难点在于民营金融组织机构众多，长期存在分散和隐蔽的特性，难以
进行客观的实地调查；同时欠缺对民营金融行业规模、资金总量等指
标的官方统计数据，定量分析的内容难以做到客观准确。可能的创新
点在于构建了数学模型，对截至 2016 年底的民营金融行业规模进行
了估算，做出一定程度的定量分析；并运用战略管理理论工具和具体
案例分析，为民营金融行业发展环境的优化提出了较为客观合理的对
策
本文总结了现阶段金融综合改革进程中所存在的问题，提出了完
善民营金融监管和法制体系、优化民营金融市场环境、推进民营金融
行业与互联网平台的协同发展、积极推进“民营银行”的健康发展、
推进民营金融的产品和服务创新、改善人力资源结构等对策，具有一
定的参考价值
关键词：民营金融；发展环境；战略；优化III
Study on the Environment Optimization of Private
Financial Industry
——Taking Zhejiang Province as an Example
Abstract ： In recent years, the domestic demographic dividend
decreased year by year and overcapacity is serious. The real economy,
especially the private economic sustained downturn, the existing
economic growth mode has been more and more unsustainable. Specific
to the financial field, the business profitability of traditional banking
financial institutions significantly reduced, financial risk gathered and
financial system reconstruction are steadily promoting, private financial
industry will receive a new round of development opportunities. Private
financial industry has a large scale and huge capital strength , which
provided strong financial backing to private economy, the problem is the
private financial industry is lack of effective supervision in a long time,
the industry development is uneven, affected our country&39;s macro-control
policies to a certain extent. Under the background of the overall reform in
the financial industry, research the existing problems of private financial
industry and discuss how to optimize the development environment of
private financial industry is extremely necessary.
This paper based on strategic management theory, with the domestic
private financial industry as the research object, with the present situation
of industry development and the optimization countermeasures of private
financial as the main research problems, using the empirical analysis and
case analysis, as well as the PEST Model, Porter&39;s Five Forces Model and
SWOT analysis method, carried on the comprehensive research. TheIV
main contents included: Analysis the theory of private financial industry
development trends at home and abroad and the reality development
practice; The research of current situation and problems of private
financial industry development, estimate the scale of the private financial
industry; By using the PEST Model and Porter&39;s Five Forces Model,
making scientific analysis of the current strategic environment of private
financial industry; By using the SWOT Model, analysis the advantages
and disadvantages of private financial industry, as well as the threat need
to be faced and the opportunity can be used of private financial industry,
select the optimum path of private financial strategic environment
optimization; Research and analysis the development of the private
financial industry in Zhejiang province, especially in Wenzhou city,
evaluate the achievement and point out the existing problems in the
current private financial reform; Finally, on the basis of the above
research, combining the reality of private financial industry development
in the current, puts forward environment optimization countermeasures to
private financial industry development.
Analysis of the present situation and strategic environment of private
financial industry development is the important content of this study, the
difficulty is that many private financial organizations has the
characteristic of dispersion and hidden for a long time, hard to field
investigation; And lack of official statistics in private financial industry
scale and total capital, hard to make quantitative analysis. The possible
innovations is set up a mathematical model to estimate the scale of
private financial industry by the end of 2016 and made a certain degree of
quantitative analysis; And by using the theory of strategic management
tools and specific case analysis, puts forward objective and reasonable
countermeasures to environment optimization of private financial
industry development.V
This paper summarizes the problems existing in the current process
of financial reform, put forward the countermeasures of perfecting the
supervision and legal system of private financial, optimize the
environment of private financial markets, promote the coordinated
development of private financial industry and the Internet platform,
actively promote the healthy development of the private bank, promote
the innovation in private financial products and services, improving the
structure of the human resources, etc. which has a certain reference value.
Keywords ： private financial; development environment; strategy;
optimizationI
目 录
1 绪论....1
1.1 研究背景和意义..1
1.1.1 本文研究的背景........1
1.1.2 本文研究的意义.......2
1.2 国内外文献综述..2
1.2.1 国外民营金融行业研究现状和规范发展实践........2
1.2.2 国内民营金融行业研究现状6
1.3 本文研究的内容与方法..7
1.3.1 本文研究的内容........7
1.3.2 本文研究的方法......10
1.3.3 论文的重难点..........10
2 相关理论基础........
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