民营银行发展外文文献翻译最新译文3800多字.docx
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民营银行发展外文文献翻译最新译文3800多字.docx
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民营银行发展外文文献翻译最新译文3800多字
文献出处:
RautD.Thestudyofinternationalcomparativeonthedevelopmentofprivatebanks[J].InternationalJournalofServicesandOperationsManagement,2016,10(3):
279-293.
原文
Thestudyofinternationalcomparativeonthedevelopmentofprivatebanks
RautD
Abstract
CommunityBanksisanimportantpartofthebankingsystem.RuralcooperativefinancialorganizationsinJapanareverysuccessful.Theyallservetheeconomyforthevulnerablegroups,theirarenoscaleadvantage,butbecauseofitsaccuratemarketpositioningandcomparativeadvantageintofullplay,andaseriesoflawsandinstitutionssupportingsystemsupport,underthebigBankswithhighlycompetitiveenvironment,theaccumulationofviability,expandinglivingspace.
Keywords:
PrivateBanks;Communityfinancial;Pathdependence
1operationandcharacteristicsofcommunityBanksintheUnitedStates
TheUnitedStatestherearealotofprivatefinancialinstitutions,includingbankpercapitaformostoftheworldandthecommunitybank(CommunityBanks)closelyrelatedtothewidelydistributed.CommunityBanksgenerallydefinedaccordingtotheassets,thetotalassetsoflessthan$1billionallBanksintheranksofcommunityBanks.CommunityBanksmoresetinruralorsemi-ruralareas,accordingtoa2012independentassociation(ICBA)communityBanksintheUnitedStates,totheendof2012,atotalof8932communityBanksacrosstheUnitedStatesand39094branches,theseoutletswith54%distributioninruralareas;26%distributioninthesuburbsofthecity;4%distributioninnorthwest;Only17%ofdistributioninthecity.Themainserviceobjectisthevulnerablegroupsinmarketeconomy,thecommunityhouseholdsandsmallbusinesses.Inlinewithsuchamanagementidea,communityBankswithbigBanksforthehigh-endcustomerresources;atthesametime,wealsowantaproportionoffundsforcommunityofunemploymentofcomeoffsentrydutythefundingneedsofthecrowd.Thefed'sresearchsuggeststhatcommunityBanksintheUnitedStatessomepoorcommunityeconomicdevelopmenthasmadeimportantprogresshasplayedakeyrole.
1.1economicanalysesforcommunityBankstosurvive
Asafinancialintermediary,communityBankstosurvivethecomparativeadvantageofoutstandingreflectedinitsinrelationshiplending,andthiskindofbusinessistheproductionofsoftinformationanduseofthebasicelements.Theso-calledSoftInformation(SoftInformation)isdifficulttobequantified,theverificationandtransmitInformation.Duetolong-termcommunityBanksandenterprisesandtheirowners,suppliersandcustomers,businesscommunitiesinvariousdimensionssuchascontact,accumulatedalotofinformationaboutenterprise.ThatcommunityBanksbasedoninformationsuperiorityinthehistoryofgeographicaladvantages,hasmorethancorporatefinancialstatementsandsignificantvalueofcollateralandcreditscore,whichhelpstopromoterelationalloanoriginatorstobettersolvetheproblemoftheborrower'sinformationopaque(BaasandShorten,2015;BergerandUdall,2010,2012),thecommunityBanksareabletocarryoutbusinessactivitiesatarelativelylowtransactioncosts.Alotofempiricalresearchofrelationshiplendingpaperdrewthisconclusion.ThisadvantagefirstdependsonthelocationofcommunityBanks,communityBanksoperatingcapitalmainlycomesfromthecommunityandcommunityforsmallandmedium-sizedunits,communityBanks'shareholdersanddirectorsarecomposedoflocalresidents,andhighlycentralizedequitystructure(Brinkley,etc.,2013).Thepositioningstrategyofrelyingonthecommunityandinthecommunitydevelopment,communityBanksintheregionoftheenterprisesandresidentsmorefamiliar,caneffectivelyachievethecommunityenterprisesofallkindsofinformation,includingcreditconditions,thuslargelysolvingtheproblemofinformationasymmetrybetweenthefact.Ingeneral,thepositionofthebigBankslocatedawayfrompotentialrelationalsameborrowers,relationshiplendingwillbealongwiththeinformationfromthe(Informationalshort)increaseanddecrease;Orisreducedwiththerisingcostofborrower'sspecificinformation(HausaandMarquez,2012).
Second,communityBanksarelargerBankshaveanadvantageindealingwithasoft,alsodependsonitsdecision-makingmechanism.HierarchicalstructureofcomplexbigBanksbecauseoftheprincipal-agentchainislong,solvetheproblemofagencycostswillbehigher.Whilesmallindependentcommunitybankbecauseofmanagementlevel,structure,lessintensive,whichcanreduceagencyproblems(BergerandUdallandClapper,2011;BergerandUdall,2012).CommunityBankscreditmanagerforloanprojectqualityjudgmentisthattheaccuracyofitdirectlyreceiving,processingallkindsofsoftinformation,theinformationproductionandcapitalallocationtypeof
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