The Development Path Of China Community Bank

Along with the social economic development and the change of economicstructure， the center of the social management in our country began to shift from "unitsystem" to "community"， increasingly chemical， marketization， socialization ofsocial management， the importance of community economy gradually emerge. Due tothe diversity of community economy，caused the community financial services demandand the contradiction restrict the community economic development in China， hasaffected the community-based construction of harmonious society.In foreign countries， community Banks have become very important componentof the entire financial system， its connotation and denotation is very broad research，the study also has already become an important part of the study of financial.Community Banks research in domestic is still in its infancy，most research stays in theconcept of community Banks definition and characteristics of the state， In this paper，based on relevant economic theory， community Banks in the United Statesdevelopment experience for reference，in-depth analysis the necessity and feasibility ofdeveloping community Banks in our country， puts forward the design of reasonabledeveloping community Banks in China， to promote the healthy and rapid developmentof the national economy， enhancing our country bank competitive ability， promotingcommunity economic development has a certain theoretical and practical significance.In this paper， on the basis of existing research results at home and abroad forreference， first of all， defines the concept of community Banks with Chinesecharacteristics; the necessity and feasibility of setting up community Banks in China，and to community Banks in our country， based on the actual current situation in ourcountry， the idea that our country had better use the patterns of rural creditcooperatives into community Banks; Finally， based on the community bank’s owncharacteristics in our country at present environment， put forward the policySuggestions on developing community Banks in our country.