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在国家大力倡导“坚持共享发展”理念及普惠金融政策的时候,发展社区银行是实现普惠金融的重要措施,社区银行提供有别于传统银行的差异化服务,不仅降低运营成本,而且是保障基本民生、实现全体人民共同迈入全面小康社会的重要途径。但是我国社区银行目前发展中存在众多问题,成长缓慢,普惠金融这一国家战略难以有效实施。为此,本文在分析我国发展社区银行存在的问题,从市场准入、风险监管、市场退出监管、联动监管等方面入手提出建立健全监管体系的建议,促进社区银行快速健康发展。
At the time when the state strongly advocated the concept of “sharing development” and the inclusive financial policy, the development of community banks is an important measure to realize inclusive finance. Community banks provide differentiated services different from traditional banks, which not only reduces operating costs, But also an important way to safeguard basic livelihood and achieve common goal of all the people in an overall well-to-do society. However, there are many problems in the current development of China’s community banks, with slow growth and the national strategy of inclusive finance, which is difficult to implement effectively. Therefore, based on the analysis of the problems existing in the development of community banks in our country, this paper puts forward suggestions on establishing and perfecting supervision system in terms of market access, risk supervision, market exit supervision and linkage supervision so as to promote the rapid and healthy development of community banks.