社区银行与小微企业融资互利共生性问题研究

The Research on Mutually Beneficial Symbiosis Issue Between Community Banks and Small Micro-enterprise Financing

在简述社区银行的设立定位以及小微企业融资难问题的基础上,选取美国联邦保险公司旗下的社区银行相关数据进行实证分析,并得出小微企业融资与社区银行之间存在互利、共生关系的结论。

Small micro- enterprise financing has been a problem that our financial institutions can not avoid. The practical results of the foreign community banks have indicated that community banks play an important role in easing the financing difficulties of small and micro enterprises and enhance the overall competitiveness of the banks, etc. Therefore, it will undoubtedly provide a good idea to solve the problem of small and micro enterprises financing in our country. Currently, the development of our community banks still basically remain in the theories and initial stage, which requires seeking the road of community banking development to service the small and micro enterprises by learning experience abroad. Based on the establishment and orientation of community banks and small micro - enterprise financing,we select the federal deposit insurance corporation＇ s community banks data for empirical analysis and lead to the conclusion about a symbiotic and beneficial relationship between the community banks and small and micro finance.