精品Chinas Community Banks中国地方性（社区）银行的发展ppt课件.pptVIP

Private-owned bank: A forward looking SMEs: backbones in the Chinese economy SMEs need more small scale financing services, most of them to be provided small banks Private-owned banks more competitive than others International experiences Issues for Discussion Overall Concerns 中国银行体系的问题 Corporate governance NPL Structural issues Biased to large firms: the “2:8” rule Lack of SME financing Regional imbalance Lack of business diversification 银行业业务结构 国外有很多特色金融机构提供特色化金融服务。而在中国，无论大银行还是中小金融机构，其业务经营范围非常单一和雷同，主要是吸收存款而后向企业贷款，即使象以前的一些非银行金融机构也是如此。而且各家金融机构过分遵循所谓的“二八原则”，片面追逐大企业。因此，我国没有出现个性化的金融服务和特色金融机