社区银行及其在我国的发展  

Community Bank and Its Development in China

作　　者：钱水土[1] 李国文[1] 

机构地区：[1]浙江工商大学,浙江杭州310015

出　　处：《金融理论与实践》2006年第2期3-6,共4页Financial Theory and Practice

基　　金：国家社会科学基金项目"县域金融:基于县域经济内生需求的研究"(项目编号03BJY110)的研究成果之一。

摘　　要：社区银行经营机制灵活,能有效地解决信贷中的信息不对称问题,可以缓解中小企业融资困境、优化银行体系结构和提高我国银行业整体竞争力;同时,也可以为居民提供较好的投资渠道。因此,发展社区银行对促进我国经济的发展具有重要意义。本文在界定社区银行内涵及特点的基础上,分析我国发展社区银行的现实意义,就其发展思路提出相关建议。Owing to a flexible operation mechanism, community banks can effectively solve the problem of information asymmetry in credit so as to mitigate the difficulty of financing for small and medium-sized firms, to optimize our banking system and to improve the overall competitiveness of our banking industry. Meanwhile, a good investment channel can be offered for households, Therefore, it＇s of significance to develop community banks. Based on defining the content of community bank and its features, this paper analyzes the realistic significance for developing community banks in China and gives some related suggestions.

关 键 词：融资 社区银行 金融结构 

分 类 号：F832.35[经济管理—金融学]