关键词: 社区银行, 资源配置, 动态盈亏平衡分析, 财务可行性

Abstract: This paper, aiming at learning from foreign community banks and improving Chinese banks services and efficiency to community and small business and exploring the feasibility of Chinese community banks, establishes a dynamic breakeven model to evaluate community banks benefits and financial feasibility. The current benefits model comes from the depositloan interest variance, which is weakened by changes in interest market. Banks cost is increasing. This situation impacts community banks balance variance trend. This paper presents suggestions on how resources should be allocated on community banks. It is of financial feasibility for China to set up community banks, which is also an innovation and optimization of the existing financial systems. An influence of interest marketing and added cost on community banks operation of a minimum deposit is acceptable. Adding noninterest income is the direction to increase the resources allocation efficiency of community banks.

Key words: community bank, resources allocation, dynamic breakeven analysis, financial feasibility