The Reform Of City Commercial Banks In Our Country Based On Community Banks Mode

City commercial Banks in China social status, increasing financial strength enhanced obviously, but the current reform facing many difficulties, progress still slow, city commercial Banks in the system, mechanism, way still can't adapt to the need of economic development. City commercial bank's reform and development is a long-term task, it is gradually deepened and gradual process. This essay tries to city commercial Banks in China reform present situation and future reform path-to develop community Banks research, urges the city commercial Banks in China and faster and better development.Community Banks is commercialized and market-oriented operation of the organization, its capital ownership, management operation right and residual claims are highly unified. Therefore, community Banks system obviously better than the small commercial Banks. Establishing community Banks can to a certain extent solve our money in operation of the "siphon" phenomenon, this mainly because community Banks absorption funds are mainly used for the local community. Research and promoting the development of community Banks, can promote financial services of different development. At present our country banking provide financial services products, the market localization are familiar, community Banks with its unique information advantage, can accord enterprise and residents of personalized feature personalized service, this to promote financial structure optimization are of positive significance. Research and promoting the development of community Banks, can find out at urban commercial banking reform, problems existing in the understand that measures, for the establishment of community Banks, operation and development to provide systematic theoretical guidance.Based on the basis of theoretical analysis, the major domestic and overseas countries and regions, summarized the experience to develop community Banks in China, and through the analysis in city commercial bank's development present situation, and find out the restriction of city commercial bank's development, at the same time some problems through research in city commercial bank of various reform ways and its change to community Banks the feasibility and effects, for the city commercial Banks in China reform and development, in order to seek to provide theoretical support for urban commercial Banks in China reform ideas.Using the size of credit comparative advantage model, information acquisition of comparative advantage of model, the moral risk prevention model and so on theoretical analysis method to develop community Banks is analyzed theoretically, and during the next countermeasures study used many times, Analyzing community Banks and other financial institutions for comparative analysis, summarizes the advantage of community Banks, And through the city commercial Banks in China's community Banks such development analysis will be vague of theoretical analysis and community Banks practice closely, enhance demonstrated effectiveness.The innovation of this paper place is the city commercial Banks in China reform and development of community Banks, from the combination of theory and practice, this paper discusses the necessity and feasibility of Through the quantitative and qualitative analysis, and to explore urban commercial Banks in China to transform community Banks conditions necessary for and hinder problem; According to our urban commercial Banks, puts forward the specific conditions of city commercial bank to community Banks change suggestion.