American Comunity Banks And Its Enlightenment To The Private Finance Inovation In Wenzhou Cooperation

Community Bank is a successful bank operating mode in American banking industry. It played an important role for the recovery of American economy in 2008 financial crisis. Meanwhile, the existence of many community banks and other large banks meets various types and scale needs of enterprises, it also helpful to serve the American economy by adapting different requirements and prefers of customers. The investigation of this bank model is earlier on abroad. Because of the efficient of this bank mode, it has been widely applied in Britain, Japan and many other countries. However, the development of the domestic banking industry is lagging behind, especially in the development of local financial institutions. Therefore, the study of American Community Bank has a practical significance to resolve the status of regional financial organizations.Based on widely references survey, considering the modern theory of financial intermediation, information superiority theory, relationship banking theory, and the theory of induced institutional change theories and other related resources, this paper focuses on analysis of the external developing environment and internal mechanism of American Community Bank. It combines the regional economic development of Wenzhou, concerns the multi-level changes of economic structure, financial structure and economic structure incompatible problems, tries to explore innovative Wenzhou private financial organizations, through the comparison of the American community banks and financial organizations of Wenzhou, it provides the advice and suggestions for the development of new financial institutions in Wenzhou.