The Research For Zhejiang Rural Credit Cooperative( ZJRC) To Develop Community Bank Model With The Vision Of Inclusive Financial System

The third plenary session of the eighteenth CPC national congress has proposed to develop inclusive financial system. The inclusive financial system is a finance system to help the poor and the weak groups, is a finance system benefits for the whole society, and it is also good for the finance industry. In Zhejiang province, a group of financial institutions like ZJRC integrate the inclusive finance into their business and market development, and have made positive and effective exploration in practice. Developing community bank has become one of the most effective way to carry out the inclusive financial system. This article will start from the definition, the specialty and the relationship of the inclusive financial system and the community bank, to introduce the present situation of ZJRC and the advantages of developing community bank. In addition, the research will analyze the development of community bank based on the practice and achievements which have reached from ZJRC. The report will also propose a model of developing community bank from headquarter building, branch reforming to product and service. Finally, this essay is trying to propose a path to develop community bank, for all rural financial intuitions’ reference.