Study On Theory And Path Of China Community Bank

The global economy went into a deep rebalancing period since the international financial crisis,this process has not been completed. In the current stage of development, China has to deal simultaneously with the slowdown in economic growth, making difficult structural adjustments, and absorbing the effects of previous economic stimulus policies. As resource-related and environmental constraints grow and costs for labor and other factors of production rise, a model of development that draws on high levels of investment and energy consumption and is heavily driven by quantitative expansion becomes difficult to sustain,economy return to “new nomal”.With the development of domestic and international macroeconomic, commercial banks need to adjust the management structure initiatively, change the traditional price-based competition and scale expansion extensive development mode to intensive mode of operation in order to improve the quality of service.Obviously, retail banking has become the transformation direction of commercial banks.Community bank with the strong differentiation, professional feature fit the growing retail financial services needs. Enabling environment has created favorable conditions for community banks in the fierce market competition.In fact, in lots developped countries, community bank is an important part in local financial system. However, the construction of community banks is still relatively empty, or the practice of community banks is not smooth in China. In view of this, I believe that in-depth study of community bank has important theoretical and practical significance for China to improve the macro-structure of the banking industry, and achieve inclusive finance.In order to study more rigor and convincing,this paper uses combination analysis methods,such as comparative analysis by dynamic longitudinally and static horizontally, qualitative analysis by logical reasoning and deductively, quantitative analysis by statistical and measurement. At the same time,the writer pay attention to analyze some overseas cases.In short,this paper studys community bank theme from the theoretical and practical aspects comprehensively, and follows the thinking path from identifying problems to analyzing problems,and ultimately settled in supplying problem-solving ideas.Specifically, this paper proposes study object--Community Bank first,sorts out existing research results and goes literature review. On this basis, the article spreads out the core part which is divided into two levels.The first level is a theoretical analysis of the construction and development of community bank. Above all,the writer analyze China’s current financial environment objectively from advantage and disadvantage aspects, according to the logic analysis, the paper gives a qualitative conclusion:the potential space of community bank development is still huge in China.Next,the writer starts looking for quantitative evidences of community bank developping,from small banking sector to the economy as a whole by establishing mathematical models.After the theoretical analyses of community bank, the article goes into practical angle in the second level. First,the paper focus on introducing the development of American community bank which is representative and significant in global community bank study field, by summarying qualitatively the main features and market positioning and representation services of American community bank. On the other hand, the writer use great amount of data to analyze the operating performance of US community banks,in order to affirm the important role of community banks in the US financial system. Of course, the authors also give a brief analysis of Wells Fargo’s Bank which is well known for its small and micro businesses and cross-marketing business, the purpose is to provide some references of community bank building in China.After all of these, the article finally settled on a path study about how to build community bank in China.The innovations lie in the author trys to answer several important practical questions of the community bank construction,which maybe helpful for fulfilling the idea.