The Market Demand Analysis And Strategy On The Development Of Community Bank Of Hankou Bank

With the rapid development and growth of the internet finance, traditional commercial banks are facing increasingly fierce competition. In the background of interest rate marketization, the banking industry, with the deposit interest margin as its main income, has to make changes to seek new breakthroughs and development.Because of its size and resources can not be compared with state-owned banks and the large commercial banks, the city commercial banks have no competitive advantage in the traditional business model. With its vibrant business model, the community bank can be used as an important direction of development of the banking transformation. It is an opportunity for the city commercial banks, which can achieve "corner overtaking" of the transformation of the community bank. In a word, the transformation of the community bank is the transformation of the community bank for the city commercial banks,whether for its own development or respond to the needs of the continuous reform of the financial system.The financial industry of China started late compared to the Western developed countries, So we can also learn from developed countries with their own situation in this regard to explore the path of success and experience. Community Bank in the development of foreign countries has become mature, the bank's research community is also very perfect. The domestic research on community banks mostly only stay in the definition of the concept described aspects and features. This article will narrow the scope of the study, the specific research of city commercial necessity and feasibility of the transition to community banks, and Hankou Bank, for example, detailed analysis of Hankou Bank transformed into a community bank market demand and the bank's own strengths and weaknesses, in this basis, for the transformation of Hankou Bank put forward relevant policies and recommendations for community banks.Firstly, by comparing the domestic and foreign literature research community banks,community banks and thus achieve a relatively comprehensive knowledge; secondly,Hankou Bank will combine its own characteristics necessity transformed into community banks discussed; Finally, the study will be combined with market demand Hankou Bank community development Bank gives the corresponding model and strategic recommendations of its development. Through this study, in order to be able to provide some reference and the ability to transition to Hankou Bank to provide a reference value for the community bank for the study of theory on community banks.