Dissertation On The Development Of Community Bank In China

Mid- and small-scale enterprise is an important component of the socialist market economy, is one of the main driving force the developing of the national economy stably, healthy and speedy, but the medium-sized and small enterprises financing is always a protracted, international difficult problem. One of the important causes is that the building of our bank organization system is lagging, finance framework of organization and enterprise framework of organization unbalance gravely. Therefore, carry on the innovation to our country finance organizational structure, cultivate and develop the small financial organization which matches with mid- and small-scale enterprise, especially the Community Bank, is the problem which ought to become current and the next time people studying and solving carefully especially.The Community Bank can provide the individual finance service for mid- and small-scale enterprise and the community inhabitants, and effectively alleviate the basic unit finance empty crisis, is helpful to the introduction of the competitive system, enhance the entire banking industry's competitive ability, it is the important strength to promote the development of our country's privately operated economy, it is also the effective supplement to our country's bank system and the financing channel.According to the statistics, at present in USA there is 95% in nearly 7000 banks is community bank. The Community Bank in overseas already become an extremely important constituent in the entire financial system, both the connotation and extension people study are very vast. In china, the research of community banks is just at the beginning stage, most of which are barely about the concept and the characters, it is very in lack of the systematic research. This article makes every effort through the introduction of overseas Community Bank development experience, unifies our country's realistic economic environment, propose our community bank's developing mentality.This article introduced in turn the Community Bank concept limits, the characteristic, the necessity and feasibility of our country develop the Community Bank, the present situation and the barrier. Then introduce the community bank's developing experience abroad. The final part is the core, which elaborates our country Community Bank developmental strategy, including developing way, movement mechanism, supervising and managing frame constructing with market environment optimization.