中美社区银行模式比较研究

发布时间：2018-08-19 10:01

【摘要】：社区银行模式在世界上并不是一种新型模式，已经在美国等西方国家取得快速发展，并金融危机中展露出其竞争优势。由于美国社区银行模式是社区银行中比较成功和被大家熟悉一种，所以本文选用了美国社区银行模式作为中国社区银行模式分析的基础。自2006年我国新设的村镇银行类似美国的社区银行，优化了我国的金融机构结构，，提高我国金融体系效率，加快金融资源的优化配置，解决我国中小企业以及农村经济的金融需求。本文在借鉴国内外研究成果的基础上，首先结合我国国情对社区银行的概念进行了界定。随后依据关系型借贷理论、信息和交易成本理论、功能与结构金融学理论等理论，通过分析美国社区银行模式发展历程、优势及未来前景展开详细分析，同时通过分析目前我国的类社区银行模式——海汇村镇银行的发展情况，对两国社区银行模式进行比较分析。美国社区银行的发展实践为我国提供了宝贵意见，基于金融功能观的角度，社区银行的设立可使我国金融结构得到增量的改进，保持该类机构的“独立性”并真正融入社区。最后，本文根据分析提出了建立中国社区银行模式的几点建议。
[Abstract]:The community banking model is not a new model in the world. It has developed rapidly in the United States and other western countries, and its competitive advantage has been shown in the financial crisis. Because the American community bank model is a successful and familiar one in the community bank, this paper chooses the American community bank model as the basis of the analysis of the Chinese community bank model. Since 2006, the newly established village banks in our country have been similar to the community banks in the United States, which have optimized the structure of our financial institutions, improved the efficiency of our financial system, and accelerated the optimal allocation of financial resources. To solve the financial needs of small and medium-sized enterprises and rural economy. Based on the domestic and foreign research results, this paper firstly defines the concept of community bank according to the situation of our country. Then, based on the relational lending theory, information and transaction cost theory, functional and structural finance theory and other theories, through the analysis of the development process, advantages and future prospects of the community banking model in the United States to carry out a detailed analysis. At the same time, by analyzing the development of the similar community bank in China-Haihui Village Bank, this paper makes a comparative analysis of the two countries' community banking model. The development practice of American community bank provides valuable advice for our country. Based on the view of financial function, the establishment of community bank can improve the financial structure of our country incrementally, maintain the "independence" of this kind of institution and truly integrate into the community. Finally, according to the analysis, this paper puts forward some suggestions on the establishment of Chinese community banking model.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F837.12

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