The Research Of The Development Of Commercial Bank’s Community Sub-Branch Institution

In recent decades, Chinese economic development has made remarkable achievements, but since 2012, the growth of Chinese macroeconomic has been continuing to slow down, overcapacity and deficiency of effective demand both exist, the issue about uneven regional development of financial services is outstanding, the problem of financing has not been fundamentally resolved in the small and medium corporations. Therefore, the state proposed the growth of inclusive finance under the condition of stable increasing, adjusting structure and promoting development. In this case, the domestic commercial banks set community branches, village banks, convenience stores and other financial models to develop the financial services of communities. The model of setting up community sub-branch banks as one of the main forms of developing community finance is now at a stage of exploration, but commercial banks have not grasp its’internal operating efficiency. Because the relevant data does not disclose, they are difficult to obtain, and domestic researches about this thing have not any results. The author collected the first-hand information of a large commercial bank branch community institutions through the ways of field research and interviewing, which quantifies community banks operational efficiency, and give some supports to develop community finance in commercial banks.Take consideration of above aims, the article has the following six parts:the first part is introduction which mainly studies the documents; the second part explains the relevant concepts and theories; the third part takes XX Bank as an example of community commercial branch banks to study its current situation; the fourth part use DEA model to analyze index. This paper draws the following conclusions:(1) The result of linear regression model showed community banks have a good effect on efficiency of banks. (2) XX sub-branch community bank is not effective decision making units. There are two reasons about this result, on the one hand, the community branch banks is in a nascent stage, and its business did not develop completely, so its effectiveness index is lower than the other banks; on the other hand, some indicators which can improve the results are not included in the calculation, for example the credit balance of small and micro business customers, the credit balance of low-income clients. But the banks will not specify and calculate these data, we cannot obtain them and put them in the calculation. So the article in Section V provided some suggestions to solve these problems, including the establishment of special management sector, cooperating with universities and institutes, enhancing staff training, building customer database and so on.