Research Of The Community Bank Development Based On The Optimization Of Chinese Banking's Industrial Structure

Recently, financial issue of small and medium enterprises(SMES) in our country isstill serious, rural finance is weak more and more ; at the same time, Chinese bankingcompetes not enough, after entering WTO, especially with the financial openingcompletely after the December 1,2006, the competition of Chinese banking will be moreserious, how to shorten the gap between Chinese banking and foreign banking becomes afocus. On this background, the development of community bank is worthy of attention.Community bank is the innovation of financial institution. Its development has animportant significance to consummate Chinese financial institution, optimize financialstructure and satisfy the financial demand of SMES and community.How to develop community bank? Strictly speaking, there is not real community bankin our country, but, the experience of how to develop small financial institution in somedeveloped area is worthy of reference. So, author surveyed the development issue of smallcommercial bank in Jingjiang city of JiangSu province, TaiZhou, NingBo cities in ZheJiangprovince; author got some important data through survey. This is helpful for studying thedevelopment issue of community bank. This paper discusses the necessity andcountermeasure of community bank's development.This paper has five chapters. The first chapter brings forward this paper's researchbackground, literature summarization and research methods, and then brings forward theresearch frame. The second chapter summarizes the meaning, general situation andoperating mechanism issues about community bank. This portion's standpoint is that thecommunity bank in our country should serve SMES and community resident. The thirdchapter analyzes the cause of developing community bank in our country. This partanalyzes the background, function and supporting policy of American community bank; then studies the choice of developing mode in China; finally, introduces the experiences of"Changjiang" in Jingjiang, "Tailong" in TaiZhou, "LvYe" in NingBo. The fifth chapteranalyzes the design of regulation frame towards the community banks in our country.Firstly, this part brings forward the circumstance frame and admittance principle of Chinesecommunity bank; secondly, discusses the exit mechanism of the community bank in ourcountry; finally, analyzes the design of consistent regulation mechanism.