Research On The Community Finance In China And Its Development Strategy

With community economy becoming a new economic category which enhances China's economy in urban and rural areas significantly, there comes the question of how to provide financial support to community economy, and how to develop community economy. The lack of community finance service and un-definited of service-provider accelerates the conflict between high-demand of service and the lack of products-supply, which restricts the development of China's community finance. By developing community finance, it can not only full up the lack of rural finance, but also solve the siphon phenomena, which exeunt between urban financial market and rural capital. Meantime, it is also able to optimize the financing environment for SMEs, and help SMEs to play an irreplaceable role in promoting the market competition, increasing the employment, improving technology innovation, and utilizing the advantage of low cost of labor in China. Besides, the development of community finance is of help to optimize the financial system and boom the financial market.Making use of relevant theories of management and finance, integrating academic and practical analysis, general and typical analysis, researching the basic relationship and content of community, community bank and community finance, this dissertation makes an attempt to enhance the theory of community finance. Also, this dissertation uses for reference of successful experience in developing community bank over the world, analyzes the limitation of china's community finance, comparative analyzes the advantage and disadvantage of community financial institutions in three different levels of communities: rural, town and urban, offers the development strategy for above three communities in china. Herewith, this dissertation is significant both academically and practically.This dissertation divides into four chapters:Chapter 1: introduce the identification of community, community finance and community bank, analyze the relationship between community finance and community bank, indicate the practical significance of the priority of community bank in community finance. Also introduce the experience of the development of community bank in advanced countries and regions.Chapter 2: analyze the three levels in china's community finance, including its actuality, limitation and whys. The three levels include: rural community, town community, urban community.Chapter 3: integrating the conflict of high-demands and lack of supply in china's community finance, analyze the advantages and disadvantages of the community finance service provider, indicate that bringing up and choosing the correct provider has becoming the primary question of developing community finance.Chapter 4: to the question mentioned in chapter 2 and 3, indicate the choice of strategy for developing community finance, provide reference evidence for the long-term development of china's community finance.This dissertation attempts to make innovation as following:1. According to the level of economy development and the regionalism, the dissertation divides the community into rural community,town community,urban community three type, based on this classify, divides the community finance into rural community finance,town community finance and urban community finance, and carries on the following analysis according to this assortment.2. The dissertation analyzes the implication of community,community bank,community finance and the essential relationship of these conception, also indicates that community finance is not same to community bank. The community finance contains the community bank, and the community bank acts as the main force in the community finance.3. For different community, the development strategy should be various, this dissertation analyzes the question of development of community finance independently, and illustrates the proper choice of strategy for community finance development based on the rural,town,urban community finance.For the restriction of the author's level, there has some questions in the dissertation need to be research later as following :1. Aiming at the operation mode,capital management,administration structure,supervision system, more and deeply research is needed, so as to complete the theory frame of development of community bank.2.According to the difference of rural community,town communitys urban community, determine the proper measure to meet its actual economy status.3.Through qualitative analysis together with quantitative analysis, make deeply analysis to the operation mode of community finance both on the theory and practice, refering to the internal case and the abroad case, research some operation mode to accommodate various community finance.