社区银行:意义、实践与国外借鉴

Community Banks: Significance, Practice and Foreign Experience

社区银行(Community Bank)是指在社区内按照市场化原则自主设立、独立运营,资产规模通常在10亿美元以下的银行业金融机构。随着近年中国经济的快速发展,社区银行取得了较快发展。本文首先对社区银行进行了简要介绍,指出社区银行在中国发展的重要性,随后全面介绍了美国道富银行在开办社区银行业务方面的经验,最后给出了相关启示。

Community Bank is defined as the financial organization below one billion of assets which is established at one＇s own and operated independently according to marketization principle in community America. Especially in China, with the development of economic, Community Banks grow fast. This paper first gives simple introduction to community bank, and note the importance to prosper in China for it, and then introduce the experiences of the State Street Corp. comprehensively, of which implications are drawn in last part.