我国发展社区银行的路径选择

社区银行是依托社区而设立,与传统沿街而设的银行相比,这种入住居民小区的新型银行,以其“近在身边、贴身服务、自助方便”的特点,让居民感到便捷,温馨。社区银行不但化解了银行高柜台给客户带来的心理隔阂,客户也能根据自己的消费习惯选择金融服务方式,享受更为人性化的服务,近几年,我国的社区建设发展很快,对金融服务提出了新的要求,组建社区银行迫在眉睫。本文分析了我国发展社区银行的原因,在此基础上,提出了我国发展社区银行的路径选择。

Way's Selection for Developing Community Banks in Our Country

This paper first gives an extended analysis to the corporate governance of commercial banks, puts forward that defining corporate governance structure only makes it possible for an enterprise to operate efficiently, while enterprise management is the micro foundation of corporation governance, and organization structure is key to employ resources. It is pointed out that allocating resources in a vertical way, cutting middle hierarchies, are the right direction of organization structure reform of Chinese commercial banks. Further, it is pointed out that such structure reform should realize the circle of information flow, realize concerted action within and between business lines, suppress out-of order competition and regional sub-culture. When implementing, retail business line should take the first step and remove misunderstanding over the structure reform beforehand.