Research On The Development Strategy Of XY Bank Community Bank

With the rapid development of economy and the wave tide of the Internet financial,banking industry in the process of the transformation of our country walks road of the characteristic of development,the establishment of community Banks is an important tendency of banking institution transformation.The emergence of community Banks has formed the previously available banking ecosystem.With market-oriented interest rate,the traditional bank business development more difficult and complex,they need to find low-cost financing channel and high returns of investment channels,the emergence of community Banks are the result of the market after refining.And as people living standard rise,more and more money in the hand,community residents' demand for financial products and financial services more and more strong,and the national policy of micro,small and medium enterprises,small and medium-sized companies,also met with unprecedented development opportunity,the emergence of community Banks,can alleviate the micro,small and medium enterprises loans difficult financing difficult problem,also can provide comprehensive characterization of financial services for the community residents,the banking system transformation development also brought opportunities and challenges,therefore,the development of community bank strategy research has certain theoretical and practical significance.This paper through the analysis of the status quo of community XY bank,employee interviews and questionnaire analysis to get the XY bank problems encountered in the development of community Banks,and then put forward the corresponding development strategy,the paper will be divided into five most:The first is the introduction,which tells the background and significance of the topic,and expounds the current situation of domestic and foreign research,as well as the contents and methods of the research.Then introduce related theory and the definition of community Banks at home and abroad,the financial ecological theory,the relationship lending theory,competitive advantage theory and pratt &whitney financial theory,combining the development mode of community Banks at home and abroad,for the XY bank put forward theoretical basis and reference for the development of community Banks.Then analysis about the present situation of XY community bank business,mainly from three aspects: understanding the XY bank development status of community Banks,the first part is the objective description about the present situation of XY bank community Banks,the second part is the XY bank staff interview under present situation of community Banks,the third part is based on a questionnaire survey of the XY bank community Banks present situation,from three aspects carries on the thorough analysis.By means of SWOT matrix analysis,the advantages,disadvantages,opportunities and threats in the development of the community bank of XY Banks are analyzed,and the strategic strategies are analyzed.Finally,for the XY bank put forward policy Suggestions and guarantee the development of community Banks,from the technical support and the financial products and marketing system,build innovation personalized service,the training and construction of talent team,standardize and perfect the system of the risk supervision system,ensure the healthy and sustainable development of community bank XY bank.