美国社区银行模式对中国村镇银行发展的启示

Study on American Community Banks' Model and Suggestions to Rural Banks in China

社区银行作为美国银行体系的重要组成部分,是小型企业贷款和农业贷款的主要提供者,为当地社区提供非常重要的金融服务。美国社区银行的发展得益于自身正确定位带来的比较优势,也得益于美国政府及监管部门的政策扶持和有效监管。中国村镇银行的发展可以借鉴社区银行的经验,实行"求异型战略",构建竞争优势,面向中小企业和农村地区提供多元的金融服务,政府及监管部门应提供积极的扶持措施和配套政策。

As an important part of American banking system,community bank is the main provider of loans to small businesses and agricultural loans. The development of American community bank benefited from its correct orientation,the policy support and effective regulation of government and supervision department. Rural bank in China can take some successful experiences from of American community bank, and implement difference-pursuing strategy,build competitive advantage, and provide multiple financial services in rural areas.