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社区银行发展的经济学分析与路径选择
引用本文:王修华,彭建刚.社区银行发展的经济学分析与路径选择[J].金融论坛,2007(3):53-57.
作者姓名:王修华  彭建刚
作者单位:湖南大学金融学院,长沙,4l0079
摘    要:社区银行是一种充满生命力的经营模式.从发达国家的实践来看,社区银行的蓬勃发展得益于正确的市场定位、明晰的产权结构、强力的政策扶持以及有序的金融监管.从经济学上看,这一模式的存在是源于金融专业化分工的客观要求、在特定的领域拥有信息和交易成本的比较优势.建立一个覆盖城乡的社区银行体系能够弱化我国经济发展中典型的二元经济结构.结合我国国情,社区银行的发展路径包括:改造现存的部分地方中小银行,由民营资本组建新的社区银行,将民间金融组织引导规范成社区银行.此外,社区银行的有效运行还需要建立健全法律体系、建立存款保险制度等配套措施.

关 键 词:社区银行  信息不对称  交易成本
文章编号:1009-9190(2007)03-0053-05

An Economic Analysis and Choice of Path of the Development of Community Banks
WANG Xiu-hua,PENG Jian-gang.An Economic Analysis and Choice of Path of the Development of Community Banks[J].Finance Forum,2007(3):53-57.
Authors:WANG Xiu-hua  PENG Jian-gang
Institution:WANG Xiu-hua PENG Jian-gan
Abstract:Community bank is a vital operation model. Experience from developed countries shows that vigorous development of community banks relies on correct market position, clear ownership structure, strong government policy support and orderly financial supervision. Economically speaking, existence of such a model responds to the demand for division of labor in financial profession and holds comparative advantage in information and transaction cost in certain areas. Therefore, we should establish a community banking system covering both urban and rural areas that can weaken the dual economic structure particular to our economic development. According to China's own conditions, the development paths of community banks include: reform the existing regional SMZ banks, let private capital incorporate new community banks and transform private financial institutions into regular community banks. Moreover, to run community banks effectively, we should improve our legal system and introduce deposit insurance system and other supporting measures.
Keywords:community banks  information asymmetry  transaction cost
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