中国社区银行发展的理论研究

A Research on the Development Theory of Community Bank in China

随着我国金融体制改革的逐步深入,金融机构正在逐渐调整以求适应改革的进程。在这个背景下,为中小企业融资服务的社区银行破土而出。但世界各国社区银行的发展情况不一,也无统一的模式可循。因此如何立足于我国自身的国情发展社区银行,建构有中国特色的社区银行发展模式,具有重要的理论意义和现实意义。本文在分析归纳国内外社区银行研究文献的基础上,探讨了社区银行发展的理论基础。从银行多重规模经济区间理论、信贷约束与信贷需求层次理论、金融共生理论、竞争优势理论四个方面,论证了为什么在大银行林立的竞争性银行业市场上,规模小、受区域限制的社区银行仍然有着生产与发展的空间。

With the reform of our country financial sectors gradually going further, the financial institutions are gradually adjusting in order to adaptation. Under this background, the Community Bank which serves for small and medium--sized enterprise financing is emerging. But the development state of Community Bank in the world is different, also does not have the unification pattern to follow. Therefore, based on our country own national condition, how to develop and construct the development model of the Community Bank which has the Chinese characteristic has the important theory significance and the practical significance. In the foundation of analyzing and summing up the domestic and foreign research materials of Community Bank, this paper has discussed the development theory base of Community Bank. From four aspects; the bank multiple economies of scale sector theory, the credit restraint and the credit demand level theory, the financial intergrowth theory, and the competitive advantage theory. This paper argues that in the competitive banking industry market with so many big banks, why the Community Bank is competitive and possesses the room to development although it is small in scale and is restricted by the region.