美国社区银行的发展及其对我国新农村金融建设的启示

Development of the Community Bank of America and Its Implication for New Rural Financial Construction in China

改革开放以来,我国中小企业发展迅速,但中小企业金融银行服务体系并不健全。与欧美发达国家相比,作为银行体系重要组成部分的社区银行在我国依旧少见。本文在介绍美国社区银行发展状况及运营特点的基础上,总结了美国社区银行在服务农村建设方面的成功经验与启示借鉴,以期对我国社区银行业的深化改革提出一点想法。

Since the Reform and Opening, small enterprises have developed rapidly in China. However, compared with Eu- ropean and American countries, China does not have perfect bank system for small enterprises. The community bank, which should be an important part of bank system, is still unusual in China. This article introducts of the development and operation of community banks of America. Then, gives some suggestions to deep reform of community bank industry in China.