A Case Study On The Development Model Of Umpqua Bank

With the development of China’s economy,the imbalance of economic development problem is particularly prominent,put forward the the third Plenary Session of the 18th CPC Central Committee release of the "comprehensive deepening reform a number of issues" in the development of inclusive financial decision,can effectively improve financial availability,promote the balanced development of economy.As the main tool to achieve Inclusive Finance,community banks play an important role in providing financial services to small and medium-sized enterprises and community residents,as well as economically backward and poor areas.However,due to the late start of China’s community banks,there are still many problems to be improved in the current development.Community banks in the United States after years of exploration and development,has formed a mature development model,and the fast bank as the most outstanding American community banks,to play a guiding role for the development of community bank in China.This thesis starts from the background and significance of the development of community banks in China with the related literatures in recent years at home and abroad are reviewed and summarized,and on the basis of the interpretation of related concepts of community banks,including the domestic and foreign scholars have different understanding and definition of the concept of community banks,community banks operating characteristics and the development of the summary the introduction and research model of community banks.The main part of the article is based on the theory of community banks,using the method of literature research and case analysis,in the form of case study on development model of an express bank to conduct a detailed analysis:first introduces the basic situation and development of an express bank,including the bank’s organizational structure,corporate culture and management status of an express bank the overall situation is expounded.Then,it analyzes the development mode of the safe bank from three aspects of the business model,profit model and management model,and analyzes the operating characteristics of the bank.After using the methods of comparative analysis,to explore the present financial convenience store,joint-stock commercial bank branch of the community "and" rural community bank "three community bank development pattern characteristic,and its safety and fast bank were analyzed,the existing problems in the development of community banks in china.Finally according to the research results of the case,summing up the successful experience of the development of an express bank,including market positioning,development mode,service strategy,product innovation and risk control five aspects of the proposal of the restructuring and development of community banks in china.