城市商业银行社区化经营的理论与案例分析

A Theory and Case Study on the Communization Operation of City Commercial Banks

近年来社区银行建设成为国内金融体制改革的一大热点,而城市商业银行"差异化、特色化、社区化"发展思路的提出则进一步将其推向社区银行建设的前沿。城市商业银行社区化经营既有优势也有不足。当前多家城市商业银行在此领域开展了颇有成效的试验,也为其他城市商业银行朝此方向发展提供了有益参考。通过理论与案例的分析可以更清晰地展示未来国内城市商业银行社区化经营的必要性及可能的方向。

The construction of community banks has become a heat for domestic financial reform in recent years.And the ideas of ＂differentiation;characterization;community-base＂ development would further put forward the commercial banks to the front line of community bank construction.There have both advantages and disadvantages for the construction of community-bank for city commercial banks.Many experiments form some city commercial banks will provide beneficial references for other banks.Through the theory and case study,there will be a more clearly show of the necessity and direction of the community-based construction for city commercial banks.