A Study On The Problems And Countermeasures In The Development Of Community Banks

Along with our country’s urbanization advancement speeding up unceasingly, andpresents the rapid urban development. Community or living community, this is alsothe inevitable result of urbanization. The emergence of community not only is theresult of the community, culture, economic development, is also a geographicalcommunity resident’s formation process of psychological identity. Communitygathered a lot of people, serve the surrounding offers a wide range of employmentopportunities, and residents, community of individual agent is an important customerresources of bank. It can be said that the emergence of the community is the basicpremise of community Banks development. From the bank to the satisfaction ofcommunity residents of financial services, on the one hand, with the rapid expansionand development of the city, the new residential development, has a huge demand ondaily financial services; On the other hand, due to the improper layout, too few bankbranch and development lags behind, the caused great financial services blank. In thecompetition in the financial market environment, Banks are seeking differentialoperation, avoid the homogeneity competition. In this case, the small andmedium-sized enterprises, the community residents to become the next "battlefield", ithas become the consensus of the Banks. As a typical representative of small andmedium-sized commercial Banks, the development of community bank is laiwu citycommercial Banks in modern market-oriented interest rate reform tide, in capitalconstraint increasingly rigorous, Internet finance, financial coal implementself-transformation under the big background, to achieve the dislocation competitionimportant way.Based on concept, characteristics and community Banks, on the basis of domesticrelated research review, according to the actual situation of laiwu city commercialBanks, through the SWOT tool system analysis of the development of communityBanks in Laiwu city commercial Banks facing the strengths, weaknesses, opportunities and threats. Advantage is mainly reflected in: flexible operationalmechanism, extend ability of products; Strategic direction is clear, to serve the smalland medium-sized enterprises and residents as the center, etc. Disadvantages ofmainly reflects in: retail business development business is insufficient, theinformationization level is low; Community Banks get effective slow, fund pressure;A single product innovation ability is insufficient, the service mode; The lack ofprofessional talents, the risk prevention and control ability is weak. Externalopportunities are: match the community characteristics and small and medium-sizedBanks customer service; Area for the convenience of residents and small microenterprise financing demand is growing. External threats are: accelerating interest ratemarketization process; Increasingly fierce competition, differentiation is difficult toimprove; Alternative products is more and more strong, financial disintermediationbecomes more and more serious, and so on. On the analysis of the development ofcommunity bank environment for commercial Banks in Laiwu city community Banksdevelopment laid a solid foundation.Based on the SWOT analysis, and draw lessons from the successful experience ofthe community Banks at home and abroad to carry out, put forward the strategy of thecommercial Banks to develop community Banks in Laiwu city: further defined regionand customer orientation; Carefully nurtured business management characteristic;Optimization of distribution network, completes the basic work; Groundingcommunity, community, Banks to build a win-win. The development of communityBanks need a series of security measures, the author combined with own workexperience and the related literature, think of Laiwu city commercial Banks can byactively strive for government and regulatory support; Correctly handle therelationship between the risk and business; Do a good job performance managementto realize fair distribution; Introduce talents, and improve the product research anddevelopment and the informationization level of measures to ensure effectivecommunity Banks fall to the ground.