Study On The Development Of Community Banks In Small And Medium-sized Joint-stock Banks

In recent years,from both the external economic environment and internal environment of the bank,the joint-stock Banks are facing a severe test.In terms of the external economic situation,china’s economy has entered a new normal state,the economic growth is slowing,the traditional manufacturing industry is facing the problem of overcapacity,in the case of real economic downturn,small and medium-sized enterprise lack support for development.,the banking industry as a "barometer" of the real economy will facing increasingly difficulties,if not seeking change.In terms of the internal environment of the bank,the implementation of the deposit insurance system,the implementation of interest rate marketization and the lowering of the threshold of banking access,especially the rise of Internet finance,are constantly eroding the business space and challenging the traditional service model of traditional banks.Internal and external pressure are forcing a number of joint-stock banks to break through the traditional practice,adjusting the customer structure,improving service levels,trying differentiated business,set off the upsurge of community banking business,2013 is also called the first year of china’s community finance.In the Western banking industry,community banking is one of the most important components,it has more complementary than competitive relationship with their large commercial banks.China’s small micro-enterprise finance has been in the market gap,but the development of community finance can make up for it to promote the development of China’s financial industry.This article is to study the domestic joint-stock banks developing community banking,combined with author’s internship experience in the community branch.Firstly,this paper introduce the business of community banking,and defining the relevant concept.Secondly,analyzing the necessity from the current situation of the development of community banking,this paper is to study the current operating situation and characteristics of existing community banking combined with community financing and micro-financing based on the case of the SPD bank.This paper not only affirmed its development of community banking,but pointed out the issues like inaccurate customer positioning,insufficient core competitiveness because of business homogenization,imbalance of regional development,lack of reserve of talents and imperfection of risk control and supervision.Through the analysis of the above problems,it is considered that the unclear market orientation,influence of abnormal consciousness between income and risk,imperfection of the credit system of small and medium-sized enterprises are the main reasons for the problems.Finally,according to the problems and causes of the case analysis,this paper puts forward the specific suggestions from the banks themselves and the external environment,so as to provide reference for the development of our community banks.