发展我国社区银行的模式选择

The Development of Community Bank in China

随着我国社会主义市场经济体制改革的深入,中小企业融资难的问题成为制约我国经济快速发展的一个突出问题。国际经验表明,解决中小企业融资问题的途径之一是广泛设立为中小企业提供资金融通的中小型商业银行,其中,社区银行就是最基本的形式之一。本文从分析社区银行含义出发介绍了社区银行发展的国际经验,对我国社区银行的设立模式、管理模式、实施时机及监管模式进行了系统分析。

Along with the deepening of market economic system reform, one issue that stand out for restricting economic growth is financing of small and middle enterprises. International experiences indicate that one way to successfully solve this issue is to widely establish small and middle commercial banks that provide financing to small and middie enterprises. The article introduces international experiences of community bank＇s development, and systematically analyzes the community bank in China in terms of establishment, management, implement and supervising pattern.