Research On The Development Of Xiangtan BXJY Community Bank

In our country,With the shift of economic development gravity,the healthy development of small and medium-sized enterprises and financial needs of the residents become more and more important.But in recent years,banking structure in our country tend to be perfect,which contains five state-owned banks,twelve share-holding banks,city commercial Banks and rural financial institutions,etc.,but the practice and experience of development of community bank are few.In our country,community banks is a point that inside the city community,providing the personalized and characteristic financial service to community subject.Community banks as a banking institutions which can compensate the financing needs of individuals and small and medium-sized enterprises,also be included in the banking industry development strategy.It has the realistic meaning to research their development.In our country,the community banks is lack of practice experiences,but Wells Fargo has a hundred years history,and got a lot of rich experiences,which let it ride out of the financial crisis and have gained great progress.It has very important practical significance to combined with the actual development of the community banks in China,then taken full advantage of its successful experiences.This paper starts from the concept definition of community banks,introducing the definition of community banks,and reviews the relevant research results in the development of community banks.Then based on a specific case,Xiangtan BXJY community bank,introducing their customer group and the kind of business,etc.then analyzing its operating conditions,we found that their main business growth rate dropped significantly and the profit level is low.we analyzing the problems,such as the development of the small and medium-sized enterprise is weak,lack characteristics of financial product design,etc.Then,combined with the successful development experiences of Wells Fargo which can apply to Xiangtan BXJY community bank,such as its focus on small and medium-sized enterprises services and pay more attention to the collaboration of electronic channels.we would find the right development direction and hope to have certain help to bank transformation and the development of community banks in China,so as to promote the healthy and sustainable development of China's banking.There are some practical significance in the process of research,it based on the perspective of the community bank itself,then compared Xiangtan BXJY community bank with Wells Fargo community bank,got some successful experiences which can applyto Xiangtan BXJY community bank,so as to promote the development of community banks in China.in the future,I will continue to follow up and improve the problem.