基于社区居民的金融需求与服务研究

发布时间：2019-01-27 16:47

【摘要】：社区金融是指社区居民及其组织产生的金融需求和银行等金融机构为满足该需求开展的金融服务活动。作为社区居民金融服务的主要供给者,社区银行具有地缘优势,和关系型借贷优势。我国社区银行兴起于2010年代,自2013年始,进入高速发展阶段,但2014年开始,社区银行的发展严重受阻,据报道,此前曾大力发展社区银行的民生银行,至2015年底其社区银行已经大量收缩。针对这一现象,本文结合金融共生理论,将社区居民和社区银行放入金融生态环境中,从社区居民金融服务需求和供给两方面展开分析,选取南京市MS银行社区银行为研究对象,以社区银行网点和样本社区银行网点内的客户数据为基础,分别从社区层面和家庭层面建立Logit模型,分析社区银行存续的影响因素。实证结果表明:在社区层面,社区银行所处环境中的竞争度、社区房价、居民人口都对银行的存续产生影响;在家庭层面,居民家庭所受最高教育水平对社区银行的存续影响最大。若社区银行提供的服务与社区居民的需求相匹配,社区银行的存续将与社区居民形成共生关系。根据实证结论,社区居民与社区银行并没有形成共生关系,说明社区银行向社区居民提供的金融服务与社区居民的需求不匹配,并没有发挥其关系型业务的优势。因此,本文建议社区银行应加快自主创新,为社区居民提供差别化的金融服务;同时利用地缘优势,积极发展关系型业务;在"互联网+"的背景下,发展互联网社区银行,更好地为社区居民提供金融服务。
[Abstract]:Community finance refers to the financial needs of community residents and their organizations and the financial service activities of banks and other financial institutions to meet the needs. As the main provider of community financial services, community banks have geographical advantages and relational lending advantages. The development of community banks in our country began in the 2010s, beginning in 2013. However, since 2014, the development of community banks has been seriously hampered. It has been reported that Minsheng Bank, a community bank, was developed vigorously before that. By the end of 2015, its community banks had contracted substantially. In view of this phenomenon, this paper combines the theory of financial symbiosis, puts community residents and community banks into the financial ecological environment, and analyzes the demand and supply of community residents' financial services. Based on the customer data of the community bank network and the sample community bank network, the paper sets up the Logit model from the community level and the family level, and analyzes the influencing factors of the survival of the community bank. The empirical results show that: at the community level, the degree of competition in the environment of the community bank, the housing price of the community, and the resident population all have an impact on the survival of the bank; At the family level, the highest level of education has the greatest impact on the survival of community banks. If the services provided by the community banks are matched with the needs of the community residents, the survival of the community banks will form a symbiotic relationship with the community residents. According to the empirical conclusion, there is no symbiotic relationship between community residents and community banks, which indicates that the financial services provided by community banks to community residents do not match the needs of community residents, and they do not give play to their advantages of relational business. Therefore, this paper suggests that community banks should speed up independent innovation, provide differential financial services for community residents, and take advantage of geographical advantages to actively develop relational business. In the context of the Internet, the development of Internet community banks to better provide financial services for community residents.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3

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