Community bank

With the community bank (a word that there is not a unified definition, but points to the area financial institution which is relatively small as opposite poles of the megabanks which does the extensive area such as the general ,) money center bank and megabank if is targeted for business. In Japan, I often point to a credit association and the credit union. In the United States, I point to the local financial institution less than total assets 1 billion dollars (approximately 100 billion yen).

As for the duties of the community bank, money of deposit, rental for a medium and small-sized business and individuals is the center. Particularly, about rental, I observe the business of the customer and financing contents through the business relationship for the long term with the customer called the relation ship banking well close, and the method that manages examination and the credit by knowing it well plays a key role.

Like a Japanese credit association, I may take the cooperation organization form by the member, but may be in a company form to be in the United States. In addition, I may be a savings bank and the savings and loans based on the savings Banking Act of the state if I may be the trading bank based on the Banking Act in the United States. In this way, the community bank refers to a financial institution choosing community-based business model rather than an organization and a license.

References

• Takeshi Aoki "relation ship banking of the United States," it is Shinkin Central Bank Research Institute, 2003 "a gold monthly report out of Shinkin Bank"

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