【正文】 the development of private banks?(34) What are the risks in opening to private banks?(36) What role should the government play in the process of opening to private banks?(38) What causes the failure in opening to financial sector in the past?(40) Why can’t jointstock bank guarantee the adoption of modern management mechanics?(42) Why should special attention be paid to the basic system construction?(43) Stateowned bank or private bank, which is better?(45) How can petition mechanism be gradually established in China’s financing area?(47) Why can’t stateowned banks handle loans properly?(49) What is the “rental seeking” phenomenon in the financial sector?(51) What is the malpractice in China’s current conversion mechanism from deposits to investment?(53) Why is the pace for reforms in China’s stateowned banks slow?(55) Why should we say that lack of adequate petitive environment is the main reason for stateowned banks’ lack of motivation for reforms?VI. International Experience in the Operation of Nonstateowned Banks(58) What is the basic status and trend in the development of private banks in various countries in the world?(60) What is the relationship between approval of a large number of private banks to the market and government supervision capacity in the financial sector?(61) What are the basicforms of supervision in the world today?(63) What are the characteristics in the US banking supervisory system?(65) What are the characteristics in the German banking supervisory system?(67) What are the advantages and disadvantages in the UK mode of banking supervisory system?(69) What is the development trend in the supervision of banking sector in the USA and Europe?(71) What is the current globalization trend in the supervision of financial sector?(73) What revelations can the parisons between the supervisory modes in the US and European banking sector shed on China’s financial reforms?(74) What are the main contents of “Glass Stegall Law”?(76) When was the “Glass Stegall Law” abolished in the USA?(78) What is the merger and acquisition trend now prevailing in the US financial sector?(80) What is a universal bank?(82) What are the advantages for a universal bank in business development?(84) What are the theoretical arguments as to the universal banking system?(86) How many banks go bankruptcy every year? How high is the cost for a bank to go bankruptcy?(88) Is it possible to turn the financial assets of a bank into securities on China’s financial market?(90) What effects has the liberalization in international finance had on the European and UK modes of financial supervision?(76)在什么時候美國廢除了《格拉斯(75)為什么美國在三十年代大蕭條之后推出《格拉斯(91) Why is it necessary to open to internal private banks before China opens to foreign financial institutions?(93) Why can China evade the impacts from Asian financial crisis?(95) Can small and mediumsized banks pete with the foreigncapital banks that have entered China’s financial market after China’s entry into WTO?(97) What sequence should be followed in opening to foreign financial sector?(99) What are the ways and characteristics when foreign capital banks enter into the local financial markets in various countries in the world?(100) Why is it necessary to stipulate principles in approving private banks to the market?(102) What are the key criteria in the examination and approval of private financial institutions to the market?(104) Why is it necessary to set a minimum capital requirement for a private bank?(106) Who is to take charge of the examination of the qualification of a private bank?(108) What are the criteria for the examination? What qualifications should an applicant satisfy?(110) What contents should be included in the constitution of a private bank?(111) Why should we say that banks are confronting very high risks?(113) What does it mean by imbalance in respect of information in the financial system?(115) Why is it impossible for banks to solve the problem of imbalance by themselves in respect of information between banks and depositors?(117) What should be included in the supervision of banks’ business operations?(119) Why is it an important condition to ensure the stabilization of the financial system to shut down those banks whose assets cannot offset their debts?(121) What should be included in the selfdisciplined supervision in the banking sector?(123) What are the three supervisory measures to insure the security of deposits?XII. How to Strengthen the Intensity of Financial Supervision(126) What are the main changes China’s financial supervisory system has undergone?(128) Which financial institution has withdrawn from the financial market in China?(130) Can the current rectification measures prevent financial risks effectively?(132) How can the intensity of China’s financial supervisory system be strengthened?(134) Why should the financial supervisory system be diversified?(136) Is it true that the more supervision is imposed, the less the cheating activities?(137) What are the main points in China’s renovated financial supervisory system?(139) How can the diversity of cash supervisory system be realized?(141) What kind of internal risk assets rating and risk supervisory system should private banks set up?(143) Why should private banks take the initiative in accepting the market supervision through disclosure of information?XIV. Bank Depo