建立村镇社区银行:城市金融反哺农村金融的选择路径

The Discussion of Chinese Community Bank's Development

随着我国社会主义新农村建设的开展,城市金融反哺农村金融被提上金融改革的日程,农民的经济活动缺乏金融支持,村镇小企业融资难一直是我国金融改革必须面对的问题。国际经验表明,发展社区银行能够为中小企业和居民提供个性化的金融服务,引导资金合理流动,有效补充银行体系和融资渠道。因而可以成为城市金融反哺农村金融的可供选择的路径。

Along with our country＇s economy rapid development, the community diversification financial service demands more and more exuberant, however the small and medium-sized enterprise finances difficultly. The international experience indicated that, the development of Community Bank can provide personalized service for the small and medium-sized enterprise and the financial service for the inhabitant, guide the fund flowing reasonably, supplement bank system and the financing channel effectively. Thus may become the effective way for above question.