西方社区银行经营优势理论综述

Theories Summarization of Banks' Business Advantage Theory in Western Community

社区银行是以关系型信贷技术为核心的金融模式,擅长处理软信息,能够满足中小企业的金融需求。信息技术的发展和银行监管的放松,使社区银行的生存面临严峻的挑战。发展社区银行对完善我国金融体系,特别是对破解农村金融困境具有重要意义,因此,需对社区银行进行准确定位并优化其生态环境,探索中国特色的社区银行发展之路。

Community bank is the financial model that put the credit technology of relationship as the core,it is good at processing soft information and meeting the financial needs of SMEs.Development of information technology and the relax of bank supervision make the survival of community banks facing serious challenges.Developing community banks is important to improve China＇s financial system,especially to break the plight of the rural financial.So we should locate the community banks exactly,optimize the entironment and explore community bank＇s development mode with Chinese characteristics.