基于金融共生理论的我国社区银行发展研究

发布时间：2018-06-30 11:04

本文选题：金融共生 + 社区银行　；参考：《苏州大学》2013年硕士论文

【摘要】：社区银行以本社区内的中小企业、居民为服务目标，依托自身的人缘、地缘优势灵活经营，为中小经济主体的发展提供动力。由于市场经济发展程度的不同，我国并不具有真正意义上的社区银行，，因此相关的理论研究停留在表面，没有真正深入挖掘社区银行对中小经济主体的促进作用，从而能够旗帜鲜明地支持社区银行的建立与发展。本文以金融共生理论为基础，结合最优贷款模型、关系型贷款理论分析社区银行与中小企业的共生关系。虽然我国不存在真正意义上的社区银行，但是存在以城市商业银行、农村金融机构为代表的社区性质银行。因此，本文在金融共生理论分析的基础上，使用社区性质银行数据代替社区银行数据进行实证分析，通过实证分析结果发现，社区性质银行与中小企业存在金融共生，但是也存在共生单元不足、共生模式不完善等缺陷。真正意义上的社区银行的建立可以增加共生单元、完善共生模式，对优化我国当前社区性质银行与中小企业的金融共生具有重要意义。最后本文从金融共生的视角提出我国发展社区银行的相关政策建议，供实践参考。
[Abstract]:The community banks take the small and medium-sized enterprises and residents as the service target, rely on their own popularity and geographical advantages to operate flexibly, and provide the power for the development of the small and medium-sized economic main body. Because of the different development degree of the market economy, our country does not have the community bank in the true sense, therefore the related theory research stays on the surface, has not really excavated the promotion function of the community bank to the small and medium-sized economic main body. So that the establishment and development of community banks can be clearly supported. Based on the theory of financial symbiosis and the optimal loan model, this paper analyzes the symbiotic relationship between community banks and small and medium-sized enterprises. Although there are no real community banks in China, there are community banks represented by urban commercial banks and rural financial institutions. Therefore, based on the analysis of financial symbiosis theory, this paper uses community bank data instead of community bank data for empirical analysis, and finds that there is financial symbiosis between community banks and small and medium-sized enterprises. However, there are some defects such as insufficient symbiotic unit and imperfect symbiotic model. The establishment of community banks in real sense can increase symbiotic units and perfect symbiotic models. It is of great significance to optimize the financial symbiosis between community banks and small and medium-sized enterprises in China. Finally, from the perspective of financial symbiosis, this paper puts forward the relevant policy recommendations for the development of community banks in China for practical reference.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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