社区支行的业务特点、监管特征与发展策略

The Business Attributes,Regulatory Characteristics and Developmental Strategy of Bank Community Branch

社区支行是商业银行一种特殊类型的支行,属于简易型银行网点。社区支行在业务经营上呈现出三个特点:一是设立在大型社区,主要服务于社区居民;二是"实行有限牌照",主要办理个人金融业务;三是可以选择多种业务办理方式。社区支行在准入资格的监管上更加强调事前审查和调控,而在设立的具体行政审批过程上则更加强调简政放权原则,因此体现了双重监管的特征。大型商业银行发展社区支行,要发挥自身渠道优势,明确社区支行的战略定位和服务模式,制定好社区支行发展规划;同时,要加强社区支行内部管理,提高精细化运营水平。

Community branch is a special kind of commercial bank branch, and is a simple type of bank outlet. The business of community branch has three features. First, it locates in large community and primarily serves the community residents. Second, because of limited license, it focuses on personal financial services. Third, it can choose a variety of methods to process business. The regulation of the entry qualifications of community branch focuses more on the prior censoring and control. The administrative approval process follows the principles of simplification and decentralization, so it shows a dual-regulation feature. To develop community branch, large commercial banks ought to make use of their own channel strengths, develop clear strategy and service model, make a perfect developmental plan, improve the internal management and operation of community branch.