新形势下社区银行发展的新机遇

New Opportunities for Community Bank Development under New Circumstances

社区经济是适应开放型市场经济,满足居民多元化需求而兴起的经济形态,突如其来的新冠肺炎疫情,进一步催生了社区经济的蓬勃发展。中小银行应抓住机遇积极探索社区银行发展,这既是优化金融资源配置、深化金融改革创新、提升广大人民金融服务可得性的需要,也是金融赋能社区治理的必然之举。

As the microcirculation of our financial system,communitybanking has long been an important development direction forthe retail transformation and branch transformation of smalland medium-sized banks.The author believes that,in the face ofnew opportunities such as strong demand for inclusive finance,aging population,and community production and lifestyles,smalland medium-sized banks should innovate community financialproducts and services based on local conditions and explore newmodels and new paths for the development of community banks.This is required not only for optimizing the allocation of financialresources,for deepening financial reforms and for enhancing theavailability of financial services for the broad masses of people,butalso a necessary step for the financial empowerment of communitygovernance.