本文選題：社區(qū)銀行 + 發(fā)展路徑�。� 參考：《華東師范大學(xué)》2014年碩士論文

【摘要】：隨著經(jīng)濟(jì)體制改革的不斷深入,我國銀行體系的格局也隨之發(fā)生改變。過往銀行體制單一的局面已隨著大量股份制商業(yè)銀行的成立被逐漸打破,但中小銀行尤其是社區(qū)銀行在整個銀行體系中所占比重仍然過低,與美國等國家發(fā)達(dá)的社區(qū)銀行業(yè)相比,我國社區(qū)銀行仍處在起步階段。 首先,本文以相關(guān)經(jīng)濟(jì)學(xué)知識為理據(jù),以美國社區(qū)銀行的發(fā)展經(jīng)驗(yàn)為參考,通過富國銀行的實(shí)例分析,提煉出美國社區(qū)銀行對我國發(fā)展社區(qū)銀行的借鑒意義。接著,通過對我國目前的銀行體系及當(dāng)前國情的分析,指出當(dāng)前中小企業(yè)的發(fā)展、個性化的金融服務(wù)需求、農(nóng)村金融等都離不開社區(qū)銀行的支持,從而深入辨析在我國發(fā)展社區(qū)銀行的必要性和可行性,進(jìn)而提出在我國發(fā)展社區(qū)銀行的戰(zhàn)略構(gòu)想,將新建社區(qū)銀行、規(guī)范民營銀行、改造農(nóng)村信用社及民間非正規(guī)金融機(jī)構(gòu)作為我國社區(qū)銀行的主要發(fā)展路徑。最后論述我國社區(qū)銀行發(fā)展風(fēng)險(xiǎn)的防范與化解及監(jiān)管框架的構(gòu)建。 在我國發(fā)展社區(qū)銀行有助于完善銀行體系結(jié)構(gòu),增加區(qū)域經(jīng)濟(jì)活力并降低區(qū)域經(jīng)濟(jì)發(fā)展風(fēng)險(xiǎn)。隨著我國金融體制改革的不斷深化,發(fā)展高效率的社區(qū)銀行,有助于打破大中型銀行的壟斷局面,不斷推進(jìn)金融運(yùn)行機(jī)制,成為深化市場化改革的必要措施。
[Abstract]:With the deepening of economic system reform, the pattern of China's banking system has also changed. With the establishment of a large number of joint-stock commercial banks, the situation of single banking system in the past has been gradually broken, but the proportion of small and medium-sized banks, especially community banks, in the whole banking system is still too low. Compared with the developed community banking in the United States and other countries, the community banks in our country are still in their infancy. First of all, based on the relevant economic knowledge and the development experience of American community banks, through the case analysis of Wells Fargo Bank, this paper abstracts the reference significance of American community banks to the development of community banks in China. Then, through the analysis of the current banking system and the current situation of our country, it is pointed out that the development of small and medium-sized enterprises, individualized financial service demand, rural finance and so on can not be separated from the support of community banks. The necessity and feasibility of developing community banks in our country are analyzed, and the strategic conception of developing community banks in China is put forward, which will establish new community banks and standardize private banks. Reforming rural credit cooperatives and non-formal financial institutions as the main development path of community banks in China. Finally, the paper discusses the prevention and solution of the development risks of community banks and the construction of regulatory framework. The development of community banks in China is helpful to improve the structure of banking system, increase the vitality of regional economy and reduce the risk of regional economic development. With the deepening of China's financial system reform, the development of highly efficient community banks will help to break the monopoly situation of large and medium-sized banks, constantly promote the financial operation mechanism, and become a necessary measure to deepen the market-oriented reform.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.3

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