摘 要：长期以来，作为社会发展风向标的大学没有自己的金融机构，广大师生只能把大量资金简单处理——直接存入银行。这种做法的弊端在今天已经逐渐显现，如资产缩水，银行服务质量不高等等。

    在经过一系列调查研究和分析后，认为XX大学师生人数众多，市场相当大，有XX大学实验银行的空间。同时作为综合类的211大学，XX大学师资力量强，各类人才齐全，这为成立江大自己的金融机构提供了很大便利。

　　　综上提出成立XX大学实验银行这一全新性质的金融机构。XX大学实验银行立足于大学本身，它不同于现行的以盈利为目的的普通商业银行，它只吸收大学校内师生的存款，它的投资收益高于商业银行，而贷款利率低于商业银行，主要靠银行沉淀下来的钱进行低风险投资获得的收益来维持机构的运行。该银行由专业的老师和资深专业理财人员组建成决策层，邀请商学院有能力的老师和挑选商学院优秀的学生组成执行团队，一切以学校为主，服务我校师生。

　　　XX大学实验银行的成立不仅能够解决资本缩水的问题，为师生提供更加便捷周到的金融服务，更重要的是能够补充科研经费、发放贫困学生助学金、提供学生助学贷款和支持大学生创业等，同时也能在如今就业难的现实情况下为高年级的经济学学生提供实习的机会，为他们今后就业打下良好的基础。这对于促进我校学生的个人发展和学校全方位发展都将具有很重大的现实意义。

关键词：大学实验银行、金融服务、金融机构、创新、XX大学

ABSTRACT：For a long time, as the barometer of social development at the university does not have its own financial institutions, the masses of teachers and students can handle large amounts of money is simple - directly in the bank. The disadvantages of this practice in today has gradually revealed, such as assets, bank service quality is not high, and so on.

After a series of survey research and analysis that the largest number of jiangnan university teachers and students, the market is quite big, have a bank of jiangnan university experiment of space. 211 as a comprehensive university, jiangnan university teachers strength is strong, complete all kinds of talents, established for the Jiang Da own financial institutions provide great convenience.

In conclusion put forward the establishment of jiangnan university experimental nature of this new bank financial institutions. Jiangnan university experiment the loftiest bank itself, it is different from the current for-profit ordinary commercial Banks, it only accept deposits of university campus of teachers and students, its investment income is higher than commercial Banks, and loan interest rates lower than commercial Banks, mainly rely on bank settle money for low-risk investment gains to maintain institutions run. The bank by the professional teacher and senior finance professionals to form into policy makers, invite business ability of teachers and students choose school outstanding execution team, everything is given priority to with schools, service between teachers and students in our school.

Jiangnan university experiment the establishment of the bank can not only solve the problem of shrinking capital, provide more convenient and thoughtful financial service for the teachers and students, it is more important to research, the distribution of poverty, student grants, student loan support college students entrepreneurship, as well as under the reality of nowadays employment provide internship opportunities for senior students of economics, lay a good foundation for their future employment. To promote the personal development of the students in our school and the school will have very great realistic significance to all-round development.

Keywords:  university experimental Banks, financial services, financial institutions, innovation，Jiangnan university