A Study On The Development Of Community Banks In Urban Commercial Banks

The concept of Community Banks has built in the United States since the19thcentury. It is hard to credit in our country for the numerous small and medium-sizedenterprises, and this situation blocked the development of our country’s economysmoothly and orderly. Although there have a large number of bank branches in thecorners of the city, cross a the survey, For the city commercial Banks, due to thelimitation of their own development and policies of financial regulatory, it is hard forthem to improve the income structure by adjusting the business structure in a shorttime. Building Community Banks is just the right way to solve these social problemsand improve the profits of banks. In recent years, there has been a part of thejoint-stock commercial Banks and city commercial Banks starting to developcommunity Banks The Bank of jining also puts strategies to develop CommunityBanks.The paper mainly analyses advantages and disadvantages of Bank of Jining todevelop community banks as well as the need to face the external political, economic,social and technological environment by using the method of "PEST" and "SWOT".This paper also puts recommendations to the development of community bank,including how to layout outlets, how to change service function, how to enhancemarketing strength for small and medium-sized enterprises and households, how tocreate the brand effect of Jining Community Banks through the close cooperation withthe community, how to strengthen financial products innovation and technologicalinnovation, how to win the positive support of the government and the relevantregulatory authorities, etc.This paper, through the analysis of the feasibility of Bank of Jining to developCommunity Banks, put forwards the proactive Suggestions. it also provides referencesfor the government to reform the banking system, and have great significance for thefuture study on community Banks of academia.