我国农村合作金融机构的转型模式——社区银行

The Optimal Transformation Mode of Financially Cooperative Institutions in China's Rural Area-Community Bank

农村合作金融机构的设立在一定程度上解决了我国农村金融服务空白的问题,对完善我国金融服务体系做出了巨大贡献,但是随着区域经济尤其是农村经济的快速崛起,其开始面临内部和外部的双重危机,发展进入瓶颈期。本文通过将农村合作金融机构与社区银行的资产规模、服务范围以及信贷模式相对比,发现诸多共同之处;作者认为社区银行是农村合作金融机构转型的首选模式,并对农村合作金融机构在转型中如何结合我国国情发展,为特色社区银行提出合理化建议。

The establishment of rural financial cooperative institutions solved such problems.as need for providing financial services in China＇ s villages to a certain degree, which made＇ a huge contribution to improve the financial service .system of our country. However, with skyrocketing development of regional economy especially of the rural economy,, it begins to encounter the dual crisis, namely it has developed in a difficult period which is bottlenecked 5oth internally and externally. In this paper, a bundle of consensuses are leached by. comparing-the. bank asset size, scope of services and credit model between the rural cooperative, financial inst：ituti.ons and community bank. Personally speaking, with such similarities, cormmunity banks are the preferred mode of transforming financially cooperative institutions in＇rural ares Several rational suggestions of how to improve community bank with Chinese characteristica are also put forward, in Combination with national conditions at this critical time when the rural financial institution is taking form.