Comparative Study On Community Banks Models Of China And America

Community bank model isn’t a new model in the world; it has a high speeddevelopment in America and Germany, and displayed a competitive superiority. AsAmerican Community Bank Model is a succeed model in the community banks and isknown to almost people, so this article select the American Community Bank Model as thebasic to analyze the Chinese Community Bank Model. There is not true Community BankModel in our country. The established new village bank is similar to the AmericanCommunity Bank in2006. The purposes of those banks are to improve our financialsystem efficiency, accelerate financial resource allocation and solve the problems of smallcompanies and rural economy.The article uses for reference domestic and overseas research achievement. Firstly, wedefine the community banks meaning combine with our national conditions. Then on thetheories of relationship lending theory, information and transaction cost theory and thetheory of function and structure of finance theory and so on. Through the analysis ofAmerican community bank development course, advantages and detailed analysis of futureprospect, at the same time, through the analysis current our country community bankmodel, the development of village banks, to set up a mode of community banks in China.Then, analyzed the present situation of the development of village Banks in China——Haihui Village Bank, and carry on comparative analysis to them, it is concluded that theAmerican model can offer valuable advice for us, based on the viewpoint of financialfunction theory, proposed the establishment of community Banks can make financialstructure in our country is a incremental improvement, and maintain the agency"independence" and really blend in the community, provide the real convenience. Finally,based on the analysis gives some useful suggestions to establish pattern of communityBanks in China.