Research On The Present Situation And Countermeasure Of Community Banks In China

Recently with China's economic and financial development,the problem of the imbalance among financial institutions gradually revealed.Especially the grass-roots financial hole has severely restricted the economic development at the local level.Small micro enterprises face the narrow financing channel and the process of financing is not smooth.Rural financial institutions is unable to provide effective service.Lack of the personalized and difference of financial services which don't take the customer as the center.The diversification of residents' financial demand is difficult to satisfy.According to foreign experience,the establishment of community banks can effectively solve these problems to actively promote the reform of financial system and establish perfect financial system.In the western developed countries,such community banks model has quite mature.In the United States,community banks take a strategy of "alien" in the determination of customer choice,the main products and form their own special advantage,which is complementary to big banks.Since 2013,community banks have sprung up quickly spread across the country,but it is still in the early stages of development.On one hand,interest rate marketization seriously affect the bank profitability and profit channel,which forces them to change its business model.On the other hand,the developing of Internet finance will reduce bank profits space.At the same time,under the national innovation atmosphere,accompanied by pratt&whitney finance,financial innovation is encouraged and kinds of new financial instruments emerge in endlessly,thus various financial products need perfect financial structure to give full play to the value.The markets will thus need the emergence and development of community banks to fill the empty and perfect financial system to promote the sustainable development.From the view of reality,community banks and big commercial banks or other financial organizations together,formed a multi-level financial structure to meet the needs of different subject in terms of financing.Meanwhile optimize and improve the structure of the banking system and make the operation of the financial markets more efficient.Therefore study the development of community banks in China has important strategic meaning and realistic meaning.First of all,the author mainly summarize domestic and foreign scholars' researches on community banks overall and then introduce the latest research results and the definition and features of community banks,which laid a foundation for later analysis.Then analyze the necessity on the current domestic development of community banks.Then analyze the development of community banks in the domestic present situation and the main development pattern as a case study of J bank.The article analyzes the United States,Australia and Japan's successful experience of the development of community banks,which could be the model for development of community banks in China.At last put forward some countermeasures and suggestions on the development of community banks in China.Development and advancing the community banks can not only effectively relieve the small micro enterprise financing difficulties and support the development of rural finance,but also can relieve inhibition of financial system to promote the balanced development of economy in our country.In a word,to explore the development mode of community banks in China is imperative to fill the empty of finance.