A Study On The Function Orientation And Development Of Community Banks In China

In recent years, China’s financial sector, especially the banking industry has undergone great changes, accelerate the process of marketization of interest rates, the rise of the Internet on traditional banking financial model is facing enormous challenges. In order to cope with Internet banking, the impact of interest rate market, many commercial banks will develop strategies to adjust to community banks take the road. Community Bank of China’s development started late, is still at an early stage of development, it is also a research scholar concern was only around 2002. At present, China’s market operation mechanism and regulatory mechanism is not perfect, the development of community banks are facing a lot of difficulties. Therefore, China should do in-depth research in the theory and practice of community banks.In this paper, the development of fully draw on the experience of American Community Bank, and based in China’s national conditions, to explore the development of community banking strategy. Firstly, understand the history, business advantages and define the development of American Community Bank Community Bank of America to the definition of the concept of community banks. Secondly, the current state of development of community banks and regulators to analyze the situation and with the US community banks and large domestic banks were compared to determine our community banks should have the functional orientation. Then solving the small and micro enterprise financing and inclusive financial perspectives to explain the necessity of community banks take the road bank. Finally, the above analysis and micro-loans to small to do the best of the best Umpqua bank Wells Fargo and experiential service learning experience to do, from the establishment of terms of approach, development strategy and regulatory system, and put on our Community Bank strategic development proposals.This article uses the way by operating efficiency of a community-branches and general retail outlets for comparison, to analyze the branch of our community continue to carry out the minimum performance requirements and the problems existing in the development of China branch in the community and proposed solutions. Articles by game model to analyze the optimal development strategy of community banks credit operations in rural areas. In addition, community banks should be from their own, take the characteristics of the road is different from traditional banks, for example, from a customer service innovation, the banks and other leisure and entertainment services in one set, and strive to give customers a new service experience. Finally, put forward policy recommendations to our SMCBs to take the road of development of the community banks with the development of American Community Bank combination of experience and China’s specific national conditions.