中国地方性(社区)银行的发展情况.ppt

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1、China’sCommunityBanks中国地方性(社区)银行的发展情况ByDr.TaoZhangPeople’sBankofChinaMay2005,Shanghai,China2005年5月25日,上海OutlineBackground:China’sbankingsystemChina’scommunitybanksIssuesfordiscussionTheBankingSystem:Alargerangeofbanks4SOBs3Policybanks12JEBs112CityCommerc

2、ialBanks709Citycreditunions4Ruralcommercialbanks4Ruralcooperativebanks33,586ruralcreditunions119foreign-ownedbankinginstitutions(branches,res.rep.offices)SizeofthebankingsectorBankingsector:dominantinthefinancialindustryByMarch2005，totalbankingassetsY32.t

3、rillionRMB(vs.GDP:Y10.4trillionRMB)That’s95%ofthetotalassetoftheentirefinancialinstitutionsBanklendingdominates(byend2004）Marketshares:distributionofbanks全国商业银行市场份额比较表WhatisacommunitybankDefinition1:providingbankingservicestolocalresidentsandfirms,andindo

4、ingso,specializinginprovidingbankingservicestolocalcommunities;Definition2:charteredorlicensedtoprovidecommercialbankingorsavingservicesinaspecifiedlocalitySomecharactersofcommunitybanks社区银行的基本特征Limitedsizeofassets(USA：lessthanUS$1billion）Atleasthalfofde

5、positscomefromlocalcommunity至少一半的存款来自于同一个县内的各个分支机构Clientbase:localcommunity,SMEsCommunityBanksinChina中国的中小金融机构China’scommunitybanks:indistinguishfromnationalandregionalbanksTherearecityandruralcommunitybanksThereisnotyetasinglecommunitybankthat’sisprivat

6、elyownedTypesofCommunityBanksinChina中国小金融机构的类型Citycommercialbanks城市商业银行Citycreditunions城市信用社Ruralcreditunions农村信用社Ruralcooperativebanks农村合作银行Ruralcommercialbanks农村商业银行SomeJoint-EquityBanks(JVBs)WhyCommunityBanksHelpeasethesituation:SMEandruralfinancing社区

7、银行可以有效地改善中小企业和农村贷款难的状况。Nottocompetewith“bigbrothers”社区银行服务于小企业和社区居民，和大银行不会形成激烈冲突。Localknowledgeadvantage社区银行通常十分熟悉本地市场，信息不对称程度相对大银行而言较小。Winningmoresupportfromlocalgovernmentandlocalresidents社区银行则主要将一个地区吸收的存款继续投入到该地区，从而推动当地经济的发展，因此将比大银行更能获得当地政府和居民的支持。Butth

8、erearedebates…SizedoesnotmattermostCorporategovernancethatismarket-basedGreaternumberofsmallbankshelpimprovethecompositionofmarketplayersButmoreimportantistofixthe“bad”institutionsCityCreditUnion:FactsandFigures城市