“时间银行”作为一种志愿互助平台,其运作模式实质是以“时间货币”为衡量单位的劳动成果的延期支付。慈溪市古塘街道创新探索时间银行模式,以公益孵化为理念,致力于促进公益事业的可持续发展和提高城市社区基层治理能力,取得显著成效。但其进一步发展也面临着行政化色彩浓厚、统筹层级低下、专业人才不足等的困境。研究报告从去行政化、提高统筹层级以及项目制培育志工银行专业化等方面提出对策建议。 “Time Bank ” as a volunteer mutual aid platform, its mode of operation is based on the “time and money ” as the unit of deferred payment of labor results. Cixi City, Gutang Street Innovation Explore the time banking model, with the concept of public welfare incubation, is committed to promoting the sustainable development of public welfare and improve the ability of urban community grassroots governance, and achieved remarkable results. However, its further development is also facing the predicament of being highly administrative in color, having a lower overall pooling level and lack of professionals. The study proposes countermeasures from the aspects of de-administration, improvement of co-ordination level and project-based cultivation of volunteer bank specialization.