城市商业银行发展社区银行的模式研究——基于九江社区银行和台州社区银行的比较分析.pdfVIP

摘要 产生于 20 世纪 90 年代中期的城市商业银行是以城市信用社为基础组建的 地区性中小金融机构。1995 年 7 月，深圳市城市合作银行正式开业，成为全国 第一家城市商业银行，自此我国城市商业银行已走过二十多个年头。顺应经济金 融发展改革形势而蓬勃发展的城市商业银行，对于健全商业银行体系、促进地市 经济发展起到了十分重要的作用。然而，随着我国银行业同业竞争日趋激烈，城 市商业银行在与大型国有商业银行、股份制商业银行的竞争中处于劣势，众多的 银行都在寻求转型机会，而发展社区银行就是城市商业银行的一条重要的转型之 路。 而正是在上述背景下，本文通过梳理国内外相关文献，借鉴金融共生理论、 社区营造理论以及普惠金融理论，分析了城市商业银行发展社区银行的可行性。 在此基础上，本文从九江银行和台州银行发展社区银行的案例入手，结合这两个 案例分析了城市商业银行发展社区银行业务的相同点和差异性。最后，本文提出 了城市商业银行发展社区银行的政策建议：第一，扎根社区生活，创立个性品牌； 第二，精简业务流程，完善营销体系；第三，结合自身的优势，选择发展路径。 关键词：城市商业银行；社区银行；模式； I Abstract The Urban commercial banks, which were born in the mid-1990s, are regional small and medium-sized financial institutions generated from urban credit cooperatives. In July 1995, Shenzhen City Cooperative Bank officially opened and became the first city commercial bank in the country. Since then, Chinas city commercial banks have gone through more than 20 years. Urban commercial banks that have flourished in line with the economic and financial development and reform situation have played a very important role in improving the commercial banking system and promoting the economic development of cities. However, with the increasingly fierce competition among banks in China, urban commercial banks are at a disadvantage in competition with large state-owned commercial banks and joint-stock commercial banks. Many banks are seeking transformation opportunities. The development of community banks is one of the urban commercial banks An important road to transformation. Due to this background, this paper analyzes the feasibility of developing community banks for urban commercial banks by combing relevant domestic and foreign literature, drawing on the theory of financial