美国社区银行发展的挑战与前景分析

The Prospects of the Community Banks in the United States and It’s Implications for Rural Banks in China

村镇银行类似于美国的社区银行,社区银行通过为当地社区提供个性化的金融服务而在美国银行系统中发挥重要作用,技术进步和放松管制等使其经营面临困境,但关系金融业务模式仍将是其保持活力的基础。村镇银行则应该充分发挥自身的比较优势,找准市场定位,与传统农村金融机构展开错位竞争,在差异化和特色化上下功夫,积极创新产品和服务,满足农村多元化金融服务需求。

Based on unique development pattern of relationship finance, community banks play an impor- tant role in the banking industry, it also facing severe challenges. Rural banks should explore comparative advantage, find the correct market position, design particular competition strategy, develop innovational products and services, so as to meet the multiple demands for financial services in the rural areas.