摘要
社区银行的概念来自于美国等西方发达国家。在我国,较早实践社区银行经营模式的是城市商业银行,全国性商业银行于2013年开始致力于社区银行建设。我国社区银行兴起的原因在于银行业面临着利率市场化、金融脱媒、互联网金融等一系列挑战,未来的趋势主要是运营成本轻型化、服务渠道智能化、产品销售多元化。可以预见,大型商业银行的零售业务将遭到社区银行的蚕食,从而促使银行业实现社区金融服务模式的不断创新。
The concept of community banks originated from U.S. and other developed countries. In China, city commercial banks take the lead in building community banks, national commercial banks began to practice in 2013. The banking industry is faced with the marketization of interest rate, financial disintermediation and Internet financial, which is the reason of the rise of community banks. Low cost operation, intelligent service and diversification of product sales will be the trends of community banks. In the coming, competition will inspire the innovation of community finance.
出处
《吉林金融研究》
2015年第2期38-42,共5页
Journal of Jilin Financial Research
关键词
社区银行
零售业务
电子银行
互联网
Community Banks
Retail Banking
Electronic Banking
Internet.
