The Exploring Of The Community Banks' Development Model In China

In recent years,due to the international and domestic economic downturn,the real economy decline is serious,a huge increase in bad loans to commercial Banks,make its future business development forward by great challenges.Combined with various factors.some customers started business out from the bank,the banking industry began to appear spreads downward trend;different types and different parts of China's financial services and the diversified demands of the enterprise,therefore,how to reform the existing financial institutions,let them more effectively meet the realistic significance of economic entity of financial services demand has great practical significance.Based on different academic and a sound and perfect the class of common development,so only can enrich the domestic and international numerous scholars in relevant theoretical and empirical demonstration of community Banks have repeatedly demonstrated that community Banks are relatively large and medium-sized bank comparative advantage.Combined with various factors.some customers started business out from the bank,the banking industry began to appear spreads downward trend.This paper is based on the community bank related theoretical basis,such as information superiority theory,the view of financial function theory,through the comparative analysis,with rural community village bank,minsheng bank financial convenience stores,etc.,for example,reveals the developing mode of the current community Banks in China,at the same time,through the horizontal and vertical comparative analysis,points out that community Banks in China in such aspects as market orientation,diversification service problems and relevant policy recommendations.