社区银行的市场化发展路径分析

On the Market-oriented Development Path of Community Bank

从国际经验来看,社区银行是中小民营银行的主要组织形式,在提高中小企业的贷款可得性,支持实体经济发展等方面发挥着重要作用。当前社区银行发展面临着资本进入困难、地方政府利益冲突及配套政策制度缺失等问题。因此,必须从顶层设计入手,坚持以市场为主导的改革方向,综合考虑各方面的约束,多维度规划社区银行的发展路径,通过创造竞争充分、监管有效、机制健全的市场环境,推动中国社区银行的发展。

Community banks are the main organization form of the mid-small private banks according to the international experience,and they play an important role in improving the SME loan and supporting the real economy development. However,community banks are facing with the problems such as difficulty in attracting capital, interest conflict with the local governments and deficiency of supporting polices and institutions. It's necessary to begin from the top-level design,insist on the market-oriented reform orientation,consider all aspects of the constraints,plan the development path of community banks Multi-dimensionally,and improve the development of local community banks by creating a competitive, supervised and institutionalized market environment.