Research On Strategic Value And Market Potential In Community Bank Service Of China Minsheng Bank

As the domestic interest rate market is accelerating, the traditional Chinese banking industry will not only face the competition of foreign banks, but also to prevent the financial loss of the interest caused by the suddenly rising Internet Financial force in recent years,. The competition force Chinese banks must change, Minsheng Bank has always been to quickly adapt to the changing market.In this round of the contest, Minsheng Bank quickly take prompts to community financial strategy, firmly grasp her customers, seizes the market.This article describes the history and development of the advanced experience of American Community Bank. And we analyze the Wells Fargo's unique feature that it can do "light capital, asset-light and high profit". Then the artical describes the efforts and achievement, which Minsheng Bank has made in the development of the financial district. The SWOT strategic has been used during the analysis of Minsheng Bank's financial community, and several recommendations have made accordingly.Based on sample data and annual data, two kinds of quantitative analysis indicators, which are ROE and ROA, have been used in assessing the strategic value of Minsheng Bank's financial district. In addition, the sophisticated analytical model CRM has been used to assess the current value and potential value of the customers, and then to find the most valuable customer groups for the bank. After all, the article provides several advices for Minsheng Bank to choose the outlets and offer the specific customers with different service.In addition, this paper analyzes the development potential of the Community Bank of Minsheng Bank from five aspects, respectively from the laws and regulations of the state, Community Bank market environment, the Minsheng Bank products and services supporting, competitor analysis and customer behavior choice. With the five dimensions, the development potential of Minsheng Community Bank has a full range analysis.Finally, we give five suggestions on the development of community financial strategy of Minsheng Bank by combining with the advanced experience of the development of community banks and the analysis of the developed countries. Hope Minsheng Bank can take appropriate measures to actively promote the development of the Community Bank according to their actual situation, so while creating wealth for the country also benefit people.This paper studied the reality of the situation of community bank in Minsheng Bank, combined with the advanced experience of community banks in the developed countries, selected the Minsheng Bank representative of Suzhou Branch of a typical residential financial convenience store cases and data, using a combination of theoretical analysis and quantitative analysis method, analysis of the Minsheng Bank community bank of actual and potential value, expounded the potential market of Minsheng Bank community bank. we conclude that Minsheng Bank promote community financial strategy has great significance. Combined with the actual development of Minsheng Bank, we put forward some suggestions to promote Minsheng Bank community bank strategy, this achievement will have grate effect on Chinese community bank strategy.