Research On The Differential Management Of Chinese Community Bank

The quickening pace of financial market reform, community Banks gradually from theory to practice, many Banks gradually open their mode of community Banks, the emergence of more and more community Banks, community Banks market positioning, business model, and it is particularly important to the development of the service object, this article is based on differential operation point of view, first, the analysis of features of community Banks, competitive advantage, management features, and then analysis the present situation of community Banks in China, and the problems existing in the development process, from the orientation, management and system construction, such as multiple perspectives analysis community Banks need to solve the problem, theory and practice in the fourth chapter of this article, analyzed the difference between the existing community bank and traditional bank, the different between different community Banks, as well as community Banks internal network and the different business model, through the comparison analysis method, to establish a simple mathematical model, the comparison and analysis the thinking and feasibility of the community bank differentiation.At present, our country economy has stepped into the new normal, financial marketization and liberalization makes traditional banking facing unprecedented great opportunities and challenges, along with the accelerating pace of reform in financial markets, banking competition, Banks should not only face the competition outside of the securities and insurance industries, will face more competition between Banks, at present, the domestic banking industry in addition to the ascension of deposits, loans and other traditional business, the development of intermediary business is around the corner, many Banks began to develop retail business as a steady income, risk reduction, realize the sustainable development strategic policy of gradually through various differentiated marketing, characteristic service, fine management, enhance the core competitiveness of the Banks themselves.And the new forces of banking community Banks as they came into being. Different scholars on the definition of community Banks and define, but mostly belong to the community Banks to serve the community’s point of view. Theory research and practice development of community Banks in foreign countries are already quite mature, Wells Fargo is a very successful case, the community is the core of the Wells Fargo bank, in recent years, community banking for Wells Fargo contributed nearly 60% of the profits, Wells Fargo’s community banking sector, primarily to individuals and small and medium-sized enterprises to provide comprehensive financial products and services. Wells Fargo lease financing for small micro enterprise, real estate loans, business loans, pension investments and other business; On a personal level, Wells Fargo to provide auto loans, housing mortgage loans, education loans and credit CARDS and other services. Its outstanding advantages, in terms of retail all kinds of terminal products in rich countries, such as financial stores, kiosks, mobile banking and Internet banking has enriched the community service of the bank. In our country, the people’s livelihood bank, society generate, and other city commercial Banks have also set up their own community Banks, to solicit business, rich financial products, but is still in the primary exploration attempt stage, needs to be perfected and developed further.The development of community Banks in China with Chinese characteristics, and also presents a lot of problems and difficulties, first of all, community Banks homogeneity problem arises, the bank didn’t emphasize the personalized features. At present most of the community bank business single, each community bank management mode and business broadly similar kinds, the bank didn’t emphasize the personalized features. At present most of the community bank business single, each community bank management mode and business broadly similar kinds, and basically confined to the traditional business, most just in the past 24 hours self-service on the basis of added some third party laid in convenient service measures. Confined to the capital scale, community Banks of financial innovation and comprehensive management ability is limited, community Banks business products co. LTD is a lot of community banking financial services is limited to open card, deposit and basic financial business, performance ascension existence predicament in addition, some community Banks using the model and business cooperation, and business activities of enthusiasm is not high, the activities of the left bank cannot achieve positive results. Lead to higher costs and performance is not ideal. And many experimental community Banks, many Banks staffing shortage, low efficiency, team members are too young, make business development ability is limited. Aiming at these difficulties and problems, through the case analysis attempts to reform train of thought is put forward.Article from three aspects of comparative analysis, respectively with Minsheng bank, Shanghai bank of Agribusiness Financial Convenience Store, Wells Fargo and Shandong Qilu bank as an example, through the comparative analysis, community Banks have to implement differentiation strategy, this is the essence of community Banks, the differentiation in the article includes three levels:the first is the differentiation of channels with traditional bank competition, the second is the differentiation between different community Banks competition, finally the most important thing is that the differentiation of competition between different customer group of community Banks. In this paper, based on the concept of relational network and the community bank service in community, combining author’s work experience in Shandong Qilu bank community Banks, trying to find a suitable for China’s economy is the new normal financial reform...