Research On Development Model And Estabilsh Mechanism Of Community Banks In Zhe Jiang

Although the development of private economy in Zhejiang Province is rapid, the small micro-enterprise financing problem is still very serious,while people’s investment and consumption structure has undergone a tremendous change.due to constraints of existing banking system, it is difficult to meet the SMEs and all the needs of the residents, meanwhile, as impact of the interest rate market, financial disintermediation, the Internet financia lthe banking sector is also facing demands for reform.Community banks, as foreign outstanding achievements banking experience, can effectively solve the problem of small micro-lending businesses and residents, but also to make up for our lack of grassroots financial shortage to some extent, improve the banking system, our country can be adopted by reference.Beginning in 2012, to carry out financial reform pilot area of Wenzhou, Lishui rural financial reform and other financial reforms in Zhejiang Province has provided an opportunity to build community banks. On theory, research scholars of community banks, mainly in the definition of the concept, feasibility and necessity of building on how to build a little research. Therefore, this concept of community banks scientifically defined, and on the basis of existing research proposed for community banks in Zhejiang province in line with the development model and the corresponding build mechanisms to provide a reference for other provinces and territories is undoubtedly a very timely and necessary.Firstly, by comparing community banks with rural banks, rural credit cooperatives, city commercial banks and other "category of community banks," this article further defines the concept of community banks as small and medium sized banks which is set up within certain community range and runs themselves independently in accordance with market principles, and mainly serves SME and individual customers.Secondly, by using principle component analysis and factor analysis, this article assesses the regional financial ecology of the 11 representative county-level city in Zhejiang on following four aspects:macroeconomic development, construction financial institutions, financial financing level and social credit level. According to the statistical interpretation of the data and analysis of the model, financial ecology of Yiwu Jinhua, Cixi Ningbo, Yueqing Wenzhou, Haining Jiaxing develop better, so it is recommended to build the first community bank in these areas to pilot. On above basis, this article proposes the three models of community banks:"New", "transformation", "franchise", and also lists the advantages and disadvantages of the three modes.In the last, focused on the analysis of mechanism for the construction of communi ty Banks. The establishment of community Banks need an accurate and scientific mar ket entry and exit criteria; pay attention to sources of funding, as well as the formation of ownership forms; In the business management, we should establish a scientific and effective organizational structure, establish continuable management target, improve the level of risk control, and build an effective business model and attention to build t heir own core competencies.