Study On The Development Path Of Community Banks In Jiayuguan From The Perspective Of Inclusive Finance

In the rapid increase of China's banking industry asset size and profitability of the banking industry at the same time,chasing profits,the weakening of social responsibility issues highlighted gradually,financial services blank village,"vacuum" group of the problem is not fundamentally solve.The party's the third Plenary Session of the 18 th CPC Central Committee formally proposed the development of Inclusive Finance,encourage financial innovation,rich financial market levels and products.In March 2016,the State Council issued "to promote the development of inclusive financial planning(2016-2020)",will Small and micro businesses,farmers and urban low-income people,poor people and the disabled,the elderly and other special groups as the current focus of our inclusive financial services.In this paper,combined with domestic and foreign experts and scholars on the definition of Inclusive Finance,community banks and other concepts,from the broad and narrow two aspects of community banks are defined.The narrow sense of community banks based on the concept of the successful experience of the development of foreign community banks and analysis of domestic banking community banks try to practice,using the SWOT analysis method of internal and external analysis of the development of community banks in Jiayuguan City,according to the "separation" in the development of Jiayuguan community bank is the most feasible way of the next stage.To ensure the sustainable development of the commercial bank community is the key to promote the development of banking financial community,which based on the development of community banks positioning on the analysis of community banks to set up the path and the next work is analyzed,the advantages and disadvantages of silver political construction,self help bank,three independent business community bank model is introduced.On the feasibility of development path analysis,from the bank's own mechanism innovation,government support,regulatory measures such as internal and external driving factors were analyzed and judged,and put forward their own proposals for the sustainable development of community banks.