基于小银行优势影响因素的中国社区银行改造研究

Study on China's Community Bank Reform from the Perspective of Small Bank Advantage Formation Conditions

影响小银行优势形成的内部因素主要包括简单的组织结构和较少的管理层次、地方性、存在所有权激励等,同时又受市场竞争、司法环境等外部因素影响。将城市商业银行、邮政储蓄银行和所有的农村信用社改造为社区银行不利于小银行优势的形成和发挥,只有城(郊)区的农村信用社(包括农村合作银行和农村商业银行)才是社区银行改造的最佳对象。

The formation of small bank advantage requires some internal conditions including simpler organizational structure,less layers of management,local community orientation and ownership incentives,and it is also affected by some external conditions including market competition,judicial environments and so on.The small bank advantage would be difficult to form and exert if we transform city commercial banks,the Postal Savings Bank of China and all rural credit cooperatives（RCCs） into community banks,while only the RCCs in the urban（suburban） areas（including rural cooperative banks and rural commercial banks） are the best appropriate objects to be reformed into community banks.