The Research On The Development Strategic Of SPDB ASEAN International Automobile Accossory City Community Bank

As an indispensable part of financial institution, community bank has long been well established and comprehensive in western developed countries that have developed financial systems. With the high-speed development of Chinese banking, the policy threat of the liberalization of interest rate and the external market threat of the on line financial. Domestic banks establish community banks in order to anchor in the increasingly fierce competition of the banking industry. As the extension of banking services, community banks are good for Domestic banks to change their traditional business model. Currently, joint - stock commercial banks are in the van of the developing progress of community bank, followed closely by state - owned banks and urban commercial banks. Meanwhile, research for a strategic that applies to the development of community bank is a meaningful hotspot in academia.As one of the best in domestic joint - stock commercial banks, Shanghai Pudong Development Bank established five community banks in Nanning, among which ASEAN international automobile accessory city community bank began operations recently. To research for a strategic that applies to the development of ASEAN international automobile accessory city community bank so that makes the bank settles in the fierce competition, which is the point of what ASEAN international automobile accessory city community bank face. Thus, this paper tries to interpret the concept and characteristic of community bank, and summarize the theory studies achievement and development experience of domestic and overseas community banks, analyze the development status and the problems of ASEAN international automobile accessory city community bank. On such basis, the paper employs SWOT tool to make a deeper analysis into ASEAN international automobile accessory city community bank to pick out the internal advantages and disadvantages, external opportunity and challenge, then, segment and target the market to position the market. The paper propose the strategy for terminal development of the bank from product and service innovation, marketing enhancement, operating management improvement and government’s support. Regard ASEAN international automobile accessory city community bank as a case, the development strategic that this paper proposed is practical and feasible. The development strategic has not only operation significance for ASEAN international automobile accessory city, but also theoretical value for the scholarly studies of domestic community bank.