我国社区银行的发展路径研究

发布时间：2018-05-05 18:18

本文选题：社区银行 + 社区金融　；参考：《山西财经大学》2014年硕士论文

【摘要】：在美国，社区银行为中小企业提供贷款资金，通过灵活的经营模式为社区银行当地居民和中小企业提供专门有针对性的金融服务，促进了当期社区银行的发展，繁荣了当地的市场经济。而在我国，社区银行尚属于新事物，起步较晚，但社区银行对中小企业及地方经济的支持作用已经引起人们的关注。在中国，，很多家中小银行步入了社区银行发展的初级阶段，而城市商业银行及农村合作金融机构则成为其中最具有社区属性的银行。然而，在不完善的市场经济的运作条件下，这些中小银行的发展与西方发达国家社区银行存在较大差异。因此，我国社区银行的发展还需要在理论和实践方面深入研究。本文充分借鉴国内外现有的研究成果，首先，对具有中国特色的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目前的发展现状，通过研究美国社区银行发展经验，并结合我国目前的金融环境，提出我国社区银行的合理发展路径，有力地促进了我国国民经济的健康发展，增强我国银行业的竞争力，并对推动我国社区经济的发展起到了一定的理论和现实意义。最后，鉴于社区银行其自身特点以及我国当前社区银行发展环境，战略性的提出了在中国发展社区银行的政策建议。
[Abstract]:In the United States, community banks provide loans to small and medium-sized enterprises, and provide specific and targeted financial services to local residents and small and medium-sized enterprises through flexible business models, thus promoting the development of community banks in the current period. The local market economy flourished. But in our country, the community bank is still a new thing, starting late, but the community bank to the small and medium-sized enterprises and the local economy support function has already aroused people's attention. In China, many small and medium-sized banks have stepped into the initial stage of the development of community banks, and urban commercial banks and rural cooperative financial institutions have become the most community banks. However, under the condition of imperfect market economy, the development of these small and medium banks is quite different from that of community banks in western developed countries. Therefore, the development of community banks in China needs to be further studied in theory and practice. Firstly, the concept of community bank with Chinese characteristics is defined, and then this paper introduces the current development situation of community bank in China, and through the study of the development experience of American community bank, Combining with the current financial environment of our country, this paper puts forward the reasonable development path of our country's community bank, which can promote the healthy development of our national economy and enhance the competitiveness of our banking industry. And to promote the development of our community economy has played a certain theoretical and practical significance. Finally, in view of the characteristics of the community bank and the current development environment of the community bank in China, the policy suggestions of developing the community bank in China are put forward strategically.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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