The Research On The Developing Of Chinese Community Bank

With the development of the domestic financial sector, the main body structure of the domestic Banks diversify are gradually formed. The financial system have also been greatly transformed, and community Banks is a product of the reform of the financial system. At present many commercial Banks begin to establish community Banks in our country, community Banks began to have sprung up in front of us. However,community Banks in China development is still in its infancy, however, a lot of things are still not mature enough. With the development of economy, the call for development of community Banks became higher and higher, but due to the imperfect supervision mechanism and government support for community Banks is not enough, the development of community Banks had some bottlenecks.The thesis use the financial function theory, the financial ecological theory and transaction cost theory as the way and foundation to community Banks. Through the analysis of the domestic community bank’s strengths, weaknesses, opportunities, threats, it is concluded that the development of Chinese community Banks causal and future prospects. According to using the everbright bank community Banks as the example, to analyse the current status of the development of community Banks in China, and pointed that it has the problem of the regulatory system and safeguard measures of the internal bank. It also give many suggestions on the path selection of community Banks, institutional arrangements, building supervision mechanism perfectly, supporting the improvement of the plan to the government policy and so on. Along with the further research of community Banks, it played a positive role on the optimization of financial environment, ease the financing difficulties of small and medium-sized enterprises, financial system reform and so on. We grope for a suitable and development path for China’s national conditions of differentiation and the characteristic of community Banks.