我国社区银行发展模式研究

【作者】 张琦；

【导师】 朴明根；

【作者基本信息】 青岛大学 ， 金融学， 2008， 硕士

【摘要】 在美国、澳洲和孟加拉国等一些国家,社区银行已经成为当地中小企业贷款资金来源的重要渠道。社区银行通过其灵活的经营模式向当地的居民和中小企业提供有针对性的金融服务,繁荣了当地经济,促进了社区发展。在我国,社区银行尚属新事物,起步比较晚,但社区银行对地方经济的支持作用已经引起人们的重视。因此,本文通过研究国外社区银行的发展经验,结合我国当前金融环境,提出合理发展我国社区银行的设想,对促进我国国民经济快速健康稳定,增强我国银行竞争能力,推动社区经济发展有一定的理论和现实意义。本文在借鉴国内外现有研究成果的基础之上,首先对具有中国特色社区银行的概念进行了界定;随后本文介绍了我国社区银行发展现状,研究了我国设立社区银行的指导思想,并对我国社区银行市场定位策略选择以及设立路径分别进行了分析研究,基于我国实际情况提出设想——我国最好采用将农村信用社改造成社区银行的模式;然后对我国发展社区银行发展中的障碍与改造农村信用社的可行性进行了分析;最后,基于社区银行自身的特点和我国目前社区银行的发展环境,提出了在我国发展社区银行的政策建议。更多还原

【Abstract】 In some countries such as America, Australia and Bangladesh, community banks have been the main fund sources for local small and medium-sized entrepreneurs. Community banks served local residents and small and medium-sized enterprises with finance service by the flexible operation mode, keeping the area developing and promoting the development of the community. In China, community banks are still something new, they were set up late, but the support that community banks have given to the local economy. Therefore, with the current situation of our country considered, this paper will offer a design for how to develop community banks in China by researching the development experience of foreign community banks, which will promote the national economy to develop stably and healthily, strengthen the competitive capacity, and promote the development of community banks.On the basis of considering the foreign and domestic existing research this paper firstly made a limitation to the community with China’s special features; and secondly summarized some successful experience through researching some foreign community banks, especially community banks in America, Australia and Bangladesh; next introduced the development and the guiding ideology of our community banks, as well as positioning of the community banks and the set-up modules; and then considering the practice situation of our country, the suggestion of rebuilt the Rural Credit Cooperatives as community banks is made, and then the obstacle in the development course is analyzed, meanwhile, the feasibility of rebuilding Rural Credit Cooperatives is analyzed. Finally, on the basis of the characters of community banks and the financial circumstance of our country, some strategies of developing community banks in China are provided.更多还原