A Study On The Development Of Community Banking In China Minsheng Bank Suzhou Branch

Commercial banks in the process of simply relying on traditional profit model is the expansion of assets began to change, innovation and transformation has become the focus of domestic commercial banks to issue urgent need to consider. This paper first object and the related theoretical research and empirical conducted confessed on CMBC Suzhou Branch, contact the domestic development status "community bank" Based on this, analysis of the current domestic commercial banks "community bank" necessity and significance. And from the actual needs of the domestic commercial banks starting to innovation and transformation "community bank" development elaborated to describe the system of commercial banks and development "community banks" as an important channel for its innovation and transformation of ideas. Through case studies, prove Chinese commercial banks "community bank" as well as practical significance for commercial banks to enhance core competitiveness, better adapted to the importance of future economic trends and financial reform. And on this basis, emerging from the development of "community bank" business process and the possible risks and other issues put forward specific measures and suggestions, and concluded that Chinese commercial banks ’community banks’ business specific ideas.Studies suggest that China Minsheng BankSuzhou branch in the implementation of community banks, community banks to accurately locate outlets, community banks from their own point of view, from the community perspective, and comprehensive study of the population within their jurisdiction, transportation, cost of business operations, SMEs constitute the industry, and the environment factor. Create differentiated products and services, enhance the customer experience and the degree of customer orientation and explore a variety of community banking model of development efforts to participate in the district’s services, in cooperation with district business, take advantage of internet service life of a true reflection of the user community. Community Bank mention the quality of staff, provide a sound external supervision and support mechanisms to promote the sustainable development of community banks, which as an important supplementary supervision.