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公民论坛|社区银行除了关门还有其他选择

□冯海宁

近几年,一些大城市的社区银行频频出现关门潮。今年5月,仅北京地区就有4家股份制商业银行的20个社区支行网点终止营业。今年两会政府工作报告里则提出,以服务实体经济为导向,改革优化金融体系结构,发展民营银行和社区银行。

显然社区银行关门是谁也不愿意看到的现象。对社区周边中小企业和社区居民而言,社区银行关停意味着今后办理存款,贷款等业务没有以前方便了。从银行方面来说,关闭社区银行也是无奈之举,有的是因为租房稳定性难保证,有的是因为客流冷清难以支撑运营成本。

一边是政府工作报告提出发展社区银行,另一边是社区银行关门现象持续蔓延,在这种背景下,究竟该如何看待和发展社区银行?这些问题已经摆在了眼前,需要引起我们深思,作出科学判断,拿出有效药方。

部分社区银行关停原因,应当从多个角度来看待。从市场角度来说,如今出现关门潮也在意料之中,因为当初社区银行一拥而上就意味着其从数量,布局到定位等方面,会存在各种问题。从某种意义上说,“关门潮”是市场在回归理性,淘汰那些不符合需求的东西。

XXA few years ago, the phenomenon of residents handling business through electronic channels such as online banking and mobile banking was not so popular today. Therefore, community banks can play a close role in serving the financial needs of community residents. Nowadays, with the rapid development of mobile payment, residents' cash With fewer and fewer businesses, the number of passengers in community banks is naturally less and less, and it is difficult to support the normal operation of community banks. When banks have turned their focus to emerging financial service models such as mobile APP according to market changes and development trends, coupled with the high operating costs of traditional outlets and the difficulty of collecting deposits by community banks, they are reluctant to invest and maintain community banks. The problem is that many elderly groups are still not suitable for mobile phone operation, so the group that has the greatest impact on the closing tide of community banks is elderly users.

From the perspective of commercial banks themselves, it is unreasonable to first locate a community bank. For example, some banks have not figured out the concept of “community” and have mistaken residential communities as communities. For another example, there is no rigorous investigation into the financial needs of small businesses and residents around the community. Undoubtedly, commercial banks do not know that decision-making will be unscientific.

Second, the service lacks features and does not meet demand. It is said that community banking services should be differentiated from the services of other branches and branch outlets. They should be based on community services, draw closer to residents through community services, and provide personalized services according to residents' needs. However, many community banks are actually branch offices of “reduced version” and “simplified version”, which lack their own characteristics.

But not all community banks are lacking in people's interest and business is bleak. For example, according to media reports, the Sai Lucheng Community Sub-branch of the Shanghai Branch of Shanghai Pudong Development Bank in Chaoyang District, Beijing, has received residents for pet waiting area, convenient service area, child service area, free collection point, and deposit credits. Recognition. The community bank is hopeful to succeed.

xx因此,社区银行面临生存压力,无法关门。应该有其他选择和出路。当然,有关方面也应该加强对社区银行的指导,并引入实质性的激励措施。例如,应该促进国内外的成功经验。通过减少税收,补贴租金和奖励创新来降低社区银行的运营成本也是可能的。