For ordinary people in the daily and bank business contacts,private or state ownership does not exist the pros and cons of what essence.There are also otheraspects,mainly:
First of all,the advantage is the four words "filthy rich",maybe you will find,whether inthe city,state owned bank is the most,because it is behind the national shareholder.So in addition to the risk of political reasons,state-owned banks do not collapse.Lossagain many,also has the national resources in the supplementary financingEverfount behind the.The ability of private banks bear the risks cannot be compared.(however,if you go to check the back of the private bank shareholders will be able to know,who is not a general character.National surface is dominated by some people,in essence is that some combination in operation.Or that it was me,I have you,as aproud,and interests combination.It doesn't make any difference.So in the China,regardless of what you do not have to worry about the bank as the western countrieswould collapse overnight.In general,there is no concerns about it)
In addition,the state-owned bank of different private bank is the largest,the state-owned banks must bear certain social responsibilities,exclude moral factors andprivate banks are not required.Although the state-owned private money as the first priority,but if the national and social need,the state-owned banks must undertake the obligations.Private money can be a one-track mind.But because the president is a national,the biggest disadvantage is the management idea,business innovation,service attitude,serious bureaucracy.Restrictions and fetters,consulted,the slow decision-making,efficiency.The emperor's daughter,she need not worry / which taste you should imagine.Private banks for money orders,dare to bold innovation,the introduction,the service is good.
Summarize the pros and cons Chinese state-owned banks and private banks in western developed capitalist countries,not alone to see,to see in what environment.The financial crisis is a very good description of the problem,according to Westernstandards,the state is not intervene bank,alive without intervention,is dying couldn'ttube.By the market and business plan.This is its disadvantages,though the opposition is great,but the America or the use government funds to intervene,savedthe banks.Don't save it,because it involves many America people,laissez faire could lead to turmoil in the country.So it is not business problem and rise to political issues.This behavior is actually a socialist country rule.