中国社区银行发展：不缺机构缺机制

当前中国中小企业融资难和农村金融困境问题引起人们对于社区银行的关注。在界定社区银行的概念及市场定位的基础上，分析中国中小金融机构现状，指出发展社区银行的关键在于建立为居民、农户、中小企业提供金融服务的机制，而非单纯地设立机构。

Development of community bank of China: privation of mechanism as against institutions

Currently,exclusive attention has been attracted to community bank, as the issue of straits in financing small and medium-sized enterprises and that of financial distress in rural areas become more and more important.On the basis of defining the concept and market location of community bank,the paper made an analysis of the current situation of medium-sized and minor-sized financial institutions,and pointed out that the key point to promote development of community bank is to establish a mechanism to provide service for residents,peasant households,and medium-sized and minor-sized enterprises,as against simply setting up many institutions.