Community Banks Establishment And Operating Research

This thesis research community banks and regional commercial banks with a typical representative of HN province--NC Bank as a case study, in order to find the unique role of city commercial banks in the financial community can play. Firstly, the operating characteristics of community banks, analyzes community banks operating advantages and disadvantages, and domestic and international banking community development course and characteristics are described.NC bank combined with the successful experience of community development bank specific cases, this article from NC banks face competition in the market and begin to analyze their own situation, elaborated on the bank’s business model community banks, set up processes, staff building, and its made were analyzed and summarized. Mainly due to the bank’s community banking platform for the integration of intelligence community service ideas, matching the characteristics of products to enhance the aspects of a full-time staff of community bank building. NC Bank Community Bank for the development of the existing problems were cause analysis. Finally, the paper further development of NC Bank provides recommendations, primarily in the fine management, special operations, risk control and management aspects, proposed countermeasures.In this paper, financial symbiosis theory of financial ecology, geography and relational finance lending, NC Bank Community Bank for initial positioning and development strategy, organizational systems and business model are described and analyzed, and combined with practical experience in NC Bank, its Current Management issues proposed to be improved. Features NC Bank of community banks is to build an integrated service system of community banking outlets and intelligent community service platform, the integration of specialty products and services. Finally, the development of community banks NC Bank recommendations that strengthen fine and standardized management and operations, to strengthen the integration of intelligence community resources service platform to enhance the adhesion of community residents, neighboring businesses, property and the like. Continue to strengthen the characteristics of the product development and promotional planning, the formation of differentiated services system.