地方性(社区)银行的发展情况.ppt

China’s Community Banks中国地方性(社区)银行的发展情况 By Dr. Tao Zhang People’s Bank of China May 2005, Shanghai, China 2005年5月25日, 上海 Outline Background: China’s banking system China’s community banks Issues for discussion The Banking System: A large range of banks 4 SOBs 3 Policy banks 12 JEBs 112 City Commercial Banks 709 City credit unions 4 Rural commercial banks 4 Rural cooperative banks 33,586 rural credit unions 119 foreign-owned banking institutions (branches, res.rep. offices) Size of the banking sector Banking sector: dominant in the financial industry By March 2005，total banking assets Y32. trillion RMB (vs. GDP: Y10.4 trillion RMB ) That’s 95% of the total asset of the entire financial institutions What is a community bank Definition 1: providing banking services to local residents and firms, and in doing so, specializing in providing banking services to local communities; Definition 2: chartered or licensed to provide commercial banking or saving services in a specified locality Some characters of community banks社区银行的基本特征 Limited size of assets (USA：less than US$1 billion） At least half of deposits come from local community至少一半的存款来自于同一个县内的各个分支机构 Client base: local community, SMEs Community Banks in China中国的中小金融机构 China’s community banks: in distinguish from national and regional banks There are city and rural community banks There is not yet a single community bank that’s is privately owned Types of Community Banks in China中国小金融机构的类型 City commercial banks城市商业银行 City credit unions城市信用社 Rural credit unions农村信用社 Rural cooperative banks农村合作银行 Rural commercial banks农村商业银行 Some Joint-Equity Banks (JVBs) Why Community Banks Help ease the situation: SME and rural financing社区银行可以有效地改善中小企业和农村贷款难的状况。 Not to compete with “big brothers” 社区银行服务于小企业和社区居民，和大银行不会形成激烈冲突。 Local knowledge advantage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。 Winning more support from local government and local residents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。 But there are deb