【作者】 王涛；

【导师】 周永强；

【作者基本信息】 厦门大学 ， 国民经济学， 2007， 硕士

【摘要】 随着我国金融体制改革的不断深化,特别是在2006年12月我国银行业全面向外资开放的背景下,发展社区银行的讨论和实践有着特别的重大意义。在2006年初的全国两会上,民建中央提交党派提案,建议十一五期间,试点建设社区银行,解决我国中小企业在发展中遇到的日渐突出的融资困境。银监会主席刘明康在参加中国民主建国会联组讨论时提出,要把邮政储蓄改造成社区银行。证监会拟在06年下半年进行10多家“社区银行”的试点。种种迹象表明,2006年有望成为我国社区银行发展的“元年”。社区银行在国外早已成为整个金融体系中一个极其重要的组成部分,其研究的内涵和外延都十分广阔,对其研究也早已经成为金融研究的一项重要内容。社区银行的研究在国内尚处于起步阶段,多数研究停留在对社区银行的概念界定和特点陈述上,对我国发展社区银行的系统研究还很少。本文以相关经济学理论为依托,以美国的社区银行发展经验为参考,对我国目前的银行体系进行分析,深入辨析在我国发展社区银行的必要性和可行性,提出在我国发展社区银行的战略构想。本文首先对社区银行的国内外研究做简要综述,而后又介绍社区银行的概念界定、经济学分析和在美国的发展经验及借鉴意义;接下来是本文的核心部分我国发展社区银行的战略构想,包括发展的必要性和可行性分析、发展模式、设立路径、产权安排等;最后论述我国社区银行制度的基本框架构建及发展风险的防范与化解。更多还原

【Abstract】 Due to the continuous reform in the financial system, especially the entire opening of banking market by the end of 2006, it is greatly significant in the discussion and fulfillment on developing community bank in China. During the NPC and PCC in the beginning of 2006, China national democratic construction association make a recommendation for establishing community banks to resolve the financial problem which our Small and Medium-sized enterprises have to face in the 11th“five-year”period. LiuMingKang, chairman of China securities regulatory commission, attending the discussion with China national democratic construction association, put forward transferring China postal savings into community banks. China securities regulatory commission will make a experiment on more than 10 community bank by the end of 2006.In 2006, it is obviously a important year in the course of community bank in China.Community banks have been an important part of the whole financial system for a long time overseas, there have been many researches of intension or extension, and they belong to the most important parts of financial researches. In China, the research of community banks is just at the beginning stage, most of which are barely about the concept and the characters, it is in lack of the systematic research. Depending on correlative economics theories, this article will analyse the current bank system, explore the necessity and possibility of establishing community banks, and discuss the strategic speculation of developing community bank in China, by introducing the experience and presenting the status in the U.S.Firstly, this article does a brief overview to the domestic and international research on community bank, and then introduces the definition, economics analysis and the experience in the U.S. Secondly, there is the hardcore of this article, which present the strategic speculation of developing community bank in China, including the necessity and possibility, development mode, the way to establish and property right etc. Finally, it is talking about how to design the schemes, how to build the supervision frameworks, and how to avoid the risk.更多还原