我国社区银行发展研究

近年来,我国政府对社区银行支持力度不断加大,社区银行得以快速发展。我国社区银行实行有限牌照经营,具有与社区居民联系紧密、满足细化的金融需求的优势,近几年网点数量呈现先大幅增长后少量减少的发展趋势。社区银行具有定位明确、信息完善、经营灵活的发展优势,但当前也面临审批严格、银行开办积极性不高、互联网金融和手机银行冲击以及产品服务种类不全的问题和困难。最后,本文提出了规范合理设立、强化针对性监管、创新经营管理方式和密切联系好社区居民的建议,旨在促进我国社区银行良好健康发展。

In recent years,our government's support for community banks has been increasing and community banks have developed rapidly.China's community banks carry out limited license operation,which has a high contact with community residents to meet the detailed financial needs.In recent years,the number of outlets has shown a trend of rapid growth and then a small decrease.Community banks have the advantages of clear positioning,perfect information and flexible operation,but they are also faced with problems and difficulties such as strict examination and approval,low enthusiasm of bank opening,shocks of Internet finance and mobile banking,and incomplete variety of products and services.Finally,it puts forward some suggestions,such as standardizing the rational establishment,making targeted supervision,innovating management and having a close contact with community residents,so as to promote the healthy development of community banks in China.