美国社区银行对我国村镇银行中小企业贷款业务启示与借鉴  

Small and Medium-sized Enterprises' Loan Business of Village Bank in China: The Experience of American Community Bank

作　　者：陈聪[1] 

机构地区：[1]武汉大学经济与管理学院,武汉430072

出　　处：《天津商业大学学报》2017年第3期33-37,共5页Journal of Tianjin University of Commerce

摘　　要：村镇银行在我国仅有不到10年的历史,但是发展迅速且一定程度上解决了农村中小企业的资金问题。但作为新生农村金融机构,在中小企业贷款业务方面仍然弊端百出。文章阐述了我国村镇银行的发展历程、中小企业贷款业务发展现状,并且因为美国社区银行的成功先例并与我国村镇银行存在可比性,所以借鉴美国社区银行的经验方法,为我国村镇银行中小企业贷款业务的更好发展提供合理建议。Village bank is a new rural financial institution and its history is less than ten years in China. However,villagebank is developing rapidly and has solved the problem of fund for the small and medium-sized enterprises to some extent.As village bank is a new rural financial institution,there still exist many problems in the small and medium-sized enter-prises’loan business. The article expounds the history of village bank and the current situation of small and medium-sized enterprises’loan business. Because of the success of American Community Bank and the common ground betweenAmerican Community Bank and Chinese Village Bank,it puts forward some suggestions for the development of the smalland medium-sized enterprises’loan business based on the experience of American Community Bank.

关 键 词：村镇银行 社区银行 中小企业 贷款业务 

分 类 号：F832.3[经济管理—金融学]