中国社区银行的发展-中国地方性(社区)银行的发展情况doc资料.ppt

《中国社区银行的发展-中国地方性(社区)银行的发展情况doc资料.ppt》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、中国社区银行的发展-中国地方性(社区)银行的发展情况TheBankingSystem:Alargerangeofbanks4SOBs3Policybanks12JEBs112CityCommercialBanks709Citycreditunions4Ruralcommercialbanks4Ruralcooperativebanks33,586ruralcreditunions119foreign-ownedbankinginstitutions(branches,res.rep.offices)SizeofthebankingsectorBankingsector:

2、dominantinthefinancialindustryByMarch2005，totalbankingassetsY32.trillionRMB(vs.GDP:Y10.4trillionRMB)That’s95%ofthetotalassetoftheentirefinancialinstitutionsBanklendingdominates(byend2004）Marketshares:distributionofbanks全国商业银行市场份额比较表WhatisacommunitybankDefinition1:providingbankingservices

3、tolocalresidentsandfirms,andindoingso,specializinginprovidingbankingservicestolocalcommunities;Definition2:charteredorlicensedtoprovidecommercialbankingorsavingservicesinaspecifiedlocalitySomecharactersofcommunitybanks社区银行的基本特征Limitedsizeofassets(USA：lessthanUS$1billion）Atleasthalfofdep

4、ositscomefromlocalcommunity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’sisprivatelyownedTypesofCommunityBanksinChi

5、na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

6、，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。Buttherearedebates…SizedoesnotmattermostCorporategovernancethatismarket-basedGreaternumberofsmallbankshel

7、pimprovethecompositionofmarketplayersButmoreimportantistofixthe“bad”institutionsCityCreditUnion:FactsandFigures城市信用社CityCreditUnion:Facts城市信用社的改革和发展历程FirstCCUstartedin1979Becamemorepopularin1986Consolidationin1989Recoveredafter1992SomerestructuredtocitycooperativeBanks