我国社区银行的发展与困境

Development and Dilemma of Community Banks in China

近几年以来,国内各大商业银行为了扩展基层社区业务纷纷设立社区银行,但是,新设立的社区银行却面临着非常多的难题,业务单一、缺少顾客、产品创新程度低、业务同质化、同业不规则竞争等等。这一系列问题的存在导致社区银行经营惨淡,甚至面临关门的窘境。在美国社区银行目前总数已经超过6500家,占美国银行总数的96.8%,以富国银行为代表的部分社区银行发展态势迅猛。本文以社区银行的战略优势为切入点,着重分析我国社区银行发展的困境,并提出相应的政策建议。

In recent years, the domestic commercial bank to expand the business community have established community banks, however, the newly established community banks are faced with the problem very much, single business, lack of customers, product innovation, business homogenization, low degree of industry irregular competition etc.. The existence of this series of problems led to the dismal operation of community banks, and even face the dilemma of closing. At present, the total number of community banks in the United States has more than 6500, accounting for about 96.8% of the total number of banks in the United States, represented by Wells Fargo as part of the rapid development of community banks. Taking the strategic advantages of community banks as the breakthrough point, this paper analyzes the plight of the development of community banks in China, and finds out the solutions.