(求高手翻译成英文，非常感谢！，谢谢！人工翻译，谢绝软件翻译。) 去年年末，我国第一

(求高手翻译成英文，非常感谢！，谢谢！人工翻译，谢绝软件翻译。) 去年年末，我国第一
(求高手翻译成英文，非常感谢！，谢谢！人工翻译，谢绝软件翻译。)
去年年末，我国第一家民营银行前海微众银行批准开业，这标志着我国民营资本组建试点民营银行获得了实质性的进展。
在中国现阶段建立和发展民营银行对于启动民间资本，降低政府负担，化解金融风险，完善中国的金融机构体系，具有非常重要的意义。
第一，民营银行的发展可以丰富和完善中国金融组织体系的内在结构。
第二，民营银行的发展可以提高储蓄向投资转化的效率，改善金融资源的配置格局。
第三，民营银行的发展将竞争机制引入了金融业，可以促进国有金融机构改革与发展的进一步深化。
第四，民营银行的发展，一方面有利于充分释放地下金融活动所蕴涵的能量，另一方面也能将其纳入监管当局的有效监管范围，从而有利于金融秩序和金融市场的稳定。
总之，虽然短期内民营银行对小微企业融资难、促进银行业竞争等方面，不会有根本的改变。但假以时日，民营银行必将在中国银行业中扮演重要角色。随着民营银行的设立，越来越多的普通消费者将享受到丰富的金融服务，普惠金融服务体系将更完善。

At the end of last year, the first private bank i.e. QianHai WeiZhong Bank of our country got the approval to open. This symbolizes it has obtained substantial progress for the privately operated capital to form a pilot private bank.

At the present stage in China, the establishment and development of private banks has very important significance in stimulating the folk capital, reducing the burden of government, defusing financial risks and improving China's system of financial institutions,

Firstly, the development of private banks can enrich and perfect the internal structure of China's financial system.

Secondly, the development of private Banks can improve the efficiency of conversion from saving to investment, perfecting the allocation of financial resources.

Thirdly, the development of the private banks, has introduced competition mechanism into the financial field, hence it can promote further deepening of the reform and development of state-owned financial institutions.

Fourthly, the development of private Banks, on the one hand, is conducive to the fully release of energy contained in the underground financial activities, and on the other, can also be brought into the scope of effective regulation of the administrative authorities, so that it is conducive to the stability of the financial order and financial markets.
In short, although in a short term, private Banks can not enforce fundamental change for the small micro enterprise to overcome their financing difficulties and to promote banking competitions, however in the long run, the private Banks will surely play an important role in China's banking circles. With the establishment of private Banks, more and more ordinary consumers will enjoy good financial services and the general preferential financial service system will be more perfect.