Studying On Management Pattern Of Community Banks From The Perspective Of Inclusive Finance

In recent years, because of frequent international financial market crisis, and China’s domestic economic slowdown, resulting in China and the polarization between the rich and the poor, small and medium-sized enterprise financing difficultly, and the development of financial market has bubble trend problems have become increasingly prominent. The main role of community banks in Europe and the United States is:to provide loan funds for SMEs, to provide specialized financial services targeted to retail customers and small and medium enterprises, promoting the development of the local banking sector, the prosperity of the local market economy. Community Bank because of outstanding performance during the financial crisis, and inclusive financial concepts advocated by the government all these years, more and more banks began to explore the "Chinese-style" community banks a path in line with China’s national conditions.The first part mainly introduces in recent decades, the American community banks from the start-up, development to mature process, and introduced what is the definition of community banks by American scholars, and contrast in the past twenty years Chinese scholars "definition of the concept of community banking and research analysis, taking this leads to the study of Community Bank of practical significance and research methods.The second part introduces the main theoretical basis of community banks. The third part focuses on the US community banking model, by comparing the community banks and non-bank community operating results.Obtained business advantages of community banks, and the impact of US financial policy on the US community banks. And then it describes in detail the form of franchise business model in Australia. The fourth part, targeted describe typical status of community banks in Hunan Province, seen on the reference value of foreign community banks to domestic community banks from the reality comparison.The last part, referring to the community banks in the United States for many years of development experience, combined with the Chinese community banks, especially community banks operating experience in the province of Hunan Provincial Development, giving policy recommendations for China to explore a variety of characteristics of Chinese community bank business model and so on.This paper introduces and compares the management pattern of community banks in developed countries and the model of community bank in China., to explore the defects in the operating mode of the community bank in China, and from the actual situation of China’s current economic environment, financial regulation, to find out to the road of the development of community bank in China.