路径依赖下民营金融发展的国际比较——以美国社区银行和日本农村合作金融的发展为例

International Comparison of Private Finance Under the Path-dependence——Instanced by the Community Bank in the USA and the Rural Cooperation finance in Japan

社区银行是美国银行体系的重要组成部分;农村合作金融组织在日本开展得非常成功。它们都服务于经济体中的弱势群体,自身都不存在规模优势,但是由于其准确的市场定位和比较优势的充分发挥,以及一系列法律和制度配套体系的支撑,在大银行林立的高度竞争环境下,积累生存能力,扩大生存空间。学习、借鉴它们的成功经验,对于拓宽目前我国城市商业银行和农村信用社的改革思路具有指导意义。

The Community bank is the important sections of bank system in the United States; the rural cooperation finance has developed very successfully in Japan. They all service at the minority community in the economy, and don＇ t have scale advantage. Based on their accurate market fixed position, comparison advantage of full exertive, and supported by a series of law and system, they expand the existence ability, extension the existence space despite of the great competition environment. Draw lessons from their experience, open widely reform ways of the city commercial banks and the rural credit unions in our country.