疫情冲击下中美中小银行发展现状和挑战

Development Status and Challenges of Small and Medium-sized Banks in China and the United States under the Impact of the Covid-19

作为定位于当地居民和中小微企业的金融服务机构,中美中小银行不仅承受着新冠肺炎疫情带来的短期冲击,还面临诸多中长期挑战。本文从概念界定、发展现状和未来挑战入手,认为中美中小银行短期内经营表现分化,中长期均经受来自大银行、金融科技公司、类银行和非银行机构的同业竞争压力。与美相比,中国中小银行未来挑战更大更难,即保持机构数量和资产份额的结构合理性、维持某一行政层级机构的基本稳定、资产负债结构性平衡、保障政策环境公平性、非上市中小银行应对新会计准则等问题更为紧迫,宜尽早尽快部署应对。

As a financial service institution targeting local residents and small and medium-sized enterprises,small and medium-sized banks in China and the United States not only bear the short-term impact of the COVID-19 pandemic,but also face many medium and long-term challenges.This article starts with the definition of concepts,development status and future challenges,and believes that the short-term operating performance of small and medi⁃um-sized banks in China and the United States will diverge.Compared with the U.S.,China's small and mediumsized banks will face greater and more difficult future challenges,namely,maintaining the rationality of the number of institutions and asset shares,maintaining the basic stability of an administrative level,structural balance of assets and liabilities and ensuring the fairness of the policy environment.And it is more urgent for those unlisted small and medium-sized banks to deal with issues such as the new accounting standards.Under such circumstance,actions should be taken as soon as possible.