Community Bank Of China’s Development Path Of The Policy Recommendations

With the deepening of economic reform, the pattern of China’s banking system also will be changed. Past banking system with the establishment of a single situation has been a lot of joint-stock commercial banks are gradually broken, but small banks, especially community banks in the proportion of the entire banking system is still too low compared with developed countries such as the U. S. banking community, our Community Bank is still in its infancy.Firstly, the relevant economic theory as the basis for the development of community banking experience in the United States as a reference, Wells Fargo analysis by example, to extract the reference American Community Bank on China’s development of community banks. Then, through the banking system and our current analysis of the current situation, pointing out to support the current development of SMEs, personalized financial services needs of rural finance and so inseparable from community banks, which in-depth Analysis of the development of community banks in the country the necessity and feasibility of proposed strategic concept development community banks in our country, the new community banks, regulate private banks, the transformation of rural credit cooperatives and private non-formal financial institutions as the main development path of community banks. Finally discourse constructed and regulatory frameworks to prevent and defuse the risk of community development banks.Contribute to the development of community banks in the country to improve the structure of the banking system, increase the economic vitality of the region and reduce the risk of regional economic development. With the deepening of China’s financial reform, the development of high-efficiency community banks, breaking the monopoly of medium-sized banks, has become a necessary measure to run continuously push forward market-oriented reform of the financial mechanism.