我国社区银行发展路径与政策建议

发布时间：2018-04-25 06:02

本文选题：社区银行 + 发展路径　；参考：《华东师范大学》2014年硕士论文

【摘要】：随着经济体制改革的不断深入,我国银行体系的格局也随之发生改变。过往银行体制单一的局面已随着大量股份制商业银行的成立被逐渐打破,但中小银行尤其是社区银行在整个银行体系中所占比重仍然过低,与美国等国家发达的社区银行业相比,我国社区银行仍处在起步阶段。首先,本文以相关经济学知识为理据,以美国社区银行的发展经验为参考,通过富国银行的实例分析,提炼出美国社区银行对我国发展社区银行的借鉴意义。接着,通过对我国目前的银行体系及当前国情的分析,指出当前中小企业的发展、个性化的金融服务需求、农村金融等都离不开社区银行的支持,从而深入辨析在我国发展社区银行的必要性和可行性,进而提出在我国发展社区银行的战略构想,将新建社区银行、规范民营银行、改造农村信用社及民间非正规金融机构作为我国社区银行的主要发展路径。最后论述我国社区银行发展风险的防范与化解及监管框架的构建。在我国发展社区银行有助于完善银行体系结构,增加区域经济活力并降低区域经济发展风险。随着我国金融体制改革的不断深化,发展高效率的社区银行,有助于打破大中型银行的垄断局面,不断推进金融运行机制,成为深化市场化改革的必要措施。
[Abstract]:With the deepening of economic system reform, the pattern of China's banking system has also changed. With the establishment of a large number of joint-stock commercial banks, the situation of single banking system in the past has been gradually broken, but the proportion of small and medium-sized banks, especially community banks, in the whole banking system is still too low. Compared with the developed community banking in the United States and other countries, the community banks in our country are still in their infancy. First of all, based on the relevant economic knowledge and the development experience of American community banks, through the case analysis of Wells Fargo Bank, this paper abstracts the reference significance of American community banks to the development of community banks in China. Then, through the analysis of the current banking system and the current situation of our country, it is pointed out that the development of small and medium-sized enterprises, individualized financial service demand, rural finance and so on can not be separated from the support of community banks. The necessity and feasibility of developing community banks in our country are analyzed, and the strategic conception of developing community banks in China is put forward, which will establish new community banks and standardize private banks. Reforming rural credit cooperatives and non-formal financial institutions as the main development path of community banks in China. Finally, the paper discusses the prevention and solution of the development risks of community banks and the construction of regulatory framework. The development of community banks in China is helpful to improve the structure of banking system, increase the vitality of regional economy and reduce the risk of regional economic development. With the deepening of China's financial system reform, the development of highly efficient community banks will help to break the monopoly situation of large and medium-sized banks, constantly promote the financial operation mechanism, and become a necessary measure to deepen the market-oriented reform.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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