Research On The Current Situation Of China Community Bank

Community Bank mainly refers to set up their own independent business in accordance with market principles, in accordance with market principles in particular small and medium-sized banks and private clients in a specific area within the community service.Over the years the congregation, community banks have been an important part of domestic and foreign financial system. With the current development of network technology, banking services and marketing channels direction also will be changing rapidly, along with the emergence of various new trends in financial services: diverse needs, differentiated, independent channels, virtualization, device integration.These are not only quickly changed people’s way of life, returned to the bank provides unlimited space for development and the development of regional, community banks provide a transition era environment.In today’s era of mobile Internet, changing the channel is the heart of banking reform, accelerate network online banking, mobile banking and other construction pace, close to the consumer, community development banks, to achieve the level of online and offline collaboration, and promote the rapid development of new channels.After Shanghai Rural Commercial Bank has introduced the concept of the first community bank in the areas of Shanghai Rural Commercial until early2013Shanghai has hundreds of "financial supermarket", each joint-stock banks such as Minsheng, Xingye, Ping An, CITIC, join the community bank layout, Shanghai Pudong later also joined the ranks of community development banks. In recent years, the implementation of community banks become more popular, both in the community bank, they played cards warmth, making the channel sink.In this paper, through the development of community banking model review, and by analyzing the current situation and the development of community banks abroad inspiration for our current problems in the community banking model were dissected, and made some of their own ideas. First, the development of community banks, should really Research the different needs of community residents, Second, community banks in the regional market, should fully penetrate the surrounding district, the use of live platform for customer service. Third, optimize service channels, build competitive service means, Fourth, build institutions at all levels to improve the support and supervision system.