Research On The Operating Situation And Problems Of Minsheng Community Banking

In the financial sector of the 12 th five-year plan, China clearly put forward the strategic think of accelerating the construction of community financial services’ organization, promoting the small and medium-sized bank to focus on community residents and micro-enterprise, By this, the community banking got the promotion, In today’s world, the mode of community banking is not an new one, it has had rapid development in the United States. In the financial crisis of 2008, the model also shows an unique competitive advantage. The development of community banking is not only the commercial banks to optimize the allocation of resources, improve the market competitiveness of intrinsic demand, it is also under the new situation to adapt to social development and meet the external needs of the residents’ diversified financial services.In this article, Firstly, collected by retrieving a large number of community banking on the literature, and summarized the literature data to grasp the definition community banking business. Secondly, I introduce the business model, the management model and the business types of Minsheng community banking. and analyzed the business environment of Minsheng community banking. Lastly, I analyze the difference between community banking of Minsheng and Wells Fargo Bank in external environment and internal development. Then, point out problems of developing Community Bank in China, such as lacking of supporting supportive policies, with a weak strength of business. At last, I put forward some suggestions to solve these problems. By doing these, we can promote the development of Minsheng community banking.