The Research On Financial Services Demands Of The Community Residents

Community finance is that because of the financial services needs of residents and companies,banks and other financial institutions would provide financial services.As the main financial services provider of community residents,community banks have geographical advantages,and relational lending advantages.Community bank has been into China in 2010,from 2013,it was into rapid development phase.But after 2014,the develop of community bank has been hindered seriously.It was reported that the Minsheng Bank,once developed community bank very well,has closed several community banks at the end of 2015.Aiming at this phenomenon,combining with the financial symbiosis theory,this study puts the community residents and community banks into a finance ecological environment,and analyzes from two aspects which are financial services demand and the supply of community residents.Choosing Nanjing MS community Banks as the research objects,using the data that is about community bank branches and the customers of sample community banks,developing Logit models of community aspect and family aspect,analyze the factors affecting the survival of community banks.Through the empirical analysis results,at the community aspect,the competition,house price,resident population all affect the survival of community banks.At the family aspect,the highest education level of households has the largest influence on the survival of community banks.If the supply of the community banks can match the demand of the residents,the survival of community banks and the demand of the residents would form a symbiotic relationship.According to the empirical conclusions,there is no symbiotic relationship between the survival of community banks and the demand of the residents,which means the supply of the community banks can not match the demand of the residents,thus,the financial services have no difference comparing with commercial banks,and there is no relationship lending advantage of the community banks.Using of geographical advantages,develop relational business actively.According to the conclusion,this article proposed that community banks should speed up independent innovation,and provide diverse financial services to community residents.At the same time,under the background of "Internet +",the community banks should develop the Internet community banks,and provide better financial services for the community residents.