社区银行发展现状及对策建议

随着我国金融体制改革的逐步深入，金融机构正在逐渐调整以求适应改革的进程。近年来，我国银行零售领域变革最引人注目的是中小商业银行的社区银行探索，社区银行是我国金融市场化发展的必然产物，对满足中小企业和社区居民金融消费需求，促进区域经济发展具有重要意义，本文对西安市社区银行发展现状进行总结，分析其中存在问题，并提出相关建议。

The Current Situation of Community Banks and Countermeasures

With the gradual deepening of the reform of China’s financial system, financial institutions have been adjusting them-selves step by step in order to adapt to the reform process. In recent years, the most striking change in the field of the retail banking sector in China has been the exploration on community banks by small and medium-sized commercial banks. Community banks are the natural outcome of the development of China’s financial marketization, which takes on considerable significance in meeting the demands of small and medium-sized enterprises and community residents for financial consumption demand as well as promoting re-gional economic developments. The paper summarizes the development situation of the community banks in Xi’an city, analyzes the existing problems and puts forward relevant suggestions.