Research On Operational Model Re-engineering Of Community Finance In Shenyang Branch MS Bank

In recent years,the further advancement of the financial system reform and the deepening of the market-oriented interest rate reform narrowed the income of the bank's deposit and loan spreads.Commercial banks' traditional profit model is facing enormous challenges,the reform of business management and the transformation of business model have become an important guarantee for the existence and development of commercial banks.The development of community finance can effectively fill the gaps in large-scale banks in financial markets,deepen the level of financial markets.Not only for the development of regional economy to provide a catalytic role,but also to facilitate the masses in the community for the financial cause of a comprehensive,in-depth to provide a strong boost.In this paper,the related concept and theory of community finance as a starting point,combed the domestic and foreign community in the financial theory and practice of research results,compared to the development of community finance at domestic and abroad experience.Combined with China's national conditions and the characteristics of the banking industry,this paper analyzes China's commercial banks in the development of community finance problems encountered based on the specific circumstances of Shenyang City.This paper selected the first to develop the community financial business of the MS Bank Shenyang Branch as a specific case,and systematically analyzed the status of the social development of Shenyang branch community.This paper analyzed the current shortcomings of the social development of Shenyang branch community and the causes of the problems of Shenyang branch community financial development.On the basis of this analysis,analyzed the causes of its causes from the problem and the status.Based on the original operation mode of Shenyang Branch,this paper choosed the operation mode which is more suitable for the development of community finance in Shenyang.Provide targeted improvements,mainly from the strategic positioning,management processes,product competitive advantage and personnel training for Shenyang Branch of the future development of community finance.Community finance as a domestic commercial banks to achieve retail business transformation of the important strategic choice,its operating model can be the key to win the opportunity in the highly competitive market.At present,the development of community finance in China is still in the initial stage,the operation mode of modeling and practice is still in the state of exploration.This paper studied the financial operation mode of the Shenyang Branch of MS Bank,which is expected to provide a new way of thinking,method and management mode for the community financial operation mode.