Private Banks in China: Origin, Challenges and Regulatory Implications

Lerong Lu

Research output: Contribution to journalArticle (Academic Journal)peer-review

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In 2015, China started allowing qualified investors to set up privately funded commercial banks, which might be the largest change in China’s state-dominated banking sector in the recent decade. The privately-owned banks are said to break the monopoly of existing state-owned banks, as well as providing more loans to China’s money-starved entrepreneurs who are underserved by state-owned lenders. This article aims to introduce the latest development of privately-owned banks in China, and analyse some potential challenges faced by these newly established banks and the relevant regulatory issues.
Original languageEnglish
Pages (from-to)585-599
JournalBanking and Finance Law Review
Issue number3
Early online date1 Aug 2016
Publication statusE-pub ahead of print - 1 Aug 2016


  • Banking
  • China
  • Private Banks
  • Deposit Insurance
  • Banking Law
  • Financial Regulation


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