The Transition Of G Bank Based On Community Banks Model

Community Bank originated in the United States. It has developed more than a century. The business model of Community Bank is rife. Community Bank, with its advantages in terms of market positioning, management mechanism, has made great progress and become a successful model for the development of small and medium banks.At present, China’s financial system is not perfect. Small and medium financial institutions grows inadequacy. The problems existing in the financial service to meet SMEs and basic financial demands. Financing difficulties prevent the development of SMEs. The development of city commercial banks is better than other small and medium financial institutions, shouldering the responsibility of financial services for SMEs and the public demand. With the development of economy and finance, SMEs, residents demand for financial services is growing. Recently, rise of the market interest rate reform and the Internet Financial, affecting banks’ traditional business model and it’s eprofit. These formed a huge challenge to the development of city commercial banks. City commercial banks, as attention to the reform and innovation, is seeking new development path, while community banks are one of the best way to solve the these problems.G Bank is one of the best city commercial banks in Guangxi and do a lot of things to serve the financial needs of SMEs and the general public. G Bank promotes different operations, continue to promote financial innovation, reform and restructuring, and achieved remarkable development achievements. G Bank launched the "xiao neng ren" community service brand, established a number of Community Bank branches, began to implement a community bank restructuring strategy. The main part of this paper, analyses G Bank’s transition into Community Bank by using SWOT theory, and advice on their future development, such as further subdivided market, meet the market demand more effectively, develop "relationship lending" and so on.This paper chooses a more typical city commercial banks. Some conclusion and advise for commercial banks transition into Community Bank in this paper may provide reference for the follow study.