社区银行经营发展问题研究——以桂林“小能人”社区银行为例

Study on Issues of Community Bank

当前经济环境下银行业竞争日趋激烈,发展零售业成为银行重要转型发展方向,2013年以来国内开始涌现出大批社区银行。根据国际经验,社区银行不仅为银行业提供新的利润增长点,同时能满足中小企业和个人的多元化金融需求。本文通过介绍桂林银行"小能人"社区银行创新实践,总结对比发达国家社区银行发展经验,分析目前社区银行发展中需关注的问题,提出促进社区银行发展的政策建议。

As the competition in domestic banking business is getting fiercer, the strategic position of retail banking is more and more important. A large number of community banks appear since 2013. According to international experience, community bank can not only offer new profit growth points, but also meet the financial need of small customers. By introducing the innovative practices of Guilin ＂xiao neng ten＂ community bank and comparative experience of developed country, this paper analyzes the realistic problems for developing community bank and gives some related suggestions-