Research On Development Strategy Of B Bank N Branch Community Bank

With the continuous growth of economy and technology,many high-tech achievements such as the Internet,big data and artificial intelligence are rapidly transformed and applied,and a large number of small and medium-sized enterprises are springing up.However,the loan threshhold of traditional commercial banks for small and medium-sized enterprises is high,which requries complex procedures.Threfore,loans from traditional comertial banks can't meet the financial needs of small and medium-sized enterprises.Due to the rapid rise of Internet finance which has characteristics such as simple procedures and fast lending speed,there are great changes in the financial market.In the face of the new situation and new demand,the traditional financial industry is constantly exploring the road of innovation and development,and major banks are seeking transformation and development in order to adapt to new changes and maintain competitive advantage.Under the background of the transformation and development of traditional banks and the continuous expansion of Internet finance,community banks have entered the public's vision and rapidly promoted in China.Of course,at this stage,China's community banks are still in primary development.Most of the community banks set up by various banks are established and operated with reference to the development experience of foreign community banks,which are not suitable for the current situation of China's economic development and the financial needs of small and medium-sized enterprises.In fact,after the early blooming,wild growth,and gradually withered,the community banks in our country,have been gradually closed.B bank n branch is also a community bank developed under such background.The development situation is not satisfactory.How to get out of the predicament? What is the theoretical basis for the development of community banks? What are the factors affecting thier development? What kind of development strategies should community banks take in the current economic development stage and the increasing financial demand of small and medium-sized enterprises? It is an important problem that should be seriously explored and solved at present.This paper attempts to study the theoretical basis of community bank development,compare the development experience of community banks at home and abroad,extract the essence,analyze the internal and external factors that affect community banks,with a focus on the N branch of B bank.Specifically,this pater analyzes the living environment of B banks,and uses SWOT analysismethod to clarify the strengths and weaknesses,opportunities and challenges of B bank N branch(Community Bank),and puts forward the development strategy of Community Bank(N branch)B accordingly.For example,it attempts to find out the target market and diversify the location;to make clear the market positioning and build the characteristic community branch;to use the Internet technology to create the financial ecosystem,etc.