Research Report On The Development Of Community Bank Of Nine Rural Commercial Banks In Jilin

19th CPC National Congress put forward that "the main contradiction in our society at the present stage is the contradiction between the people's growing living needs and unbalanced and unbalanced development;agriculture,rural areas,and peasant issues are fundamental issues related to the national economy and the people's livelihood." We must always take the "three rural" issues as the top priority of the whole party's work ".the banking industry plays a leading role in the financial system of our country,and banks should take the initiative to improve the efficiency of financial services." Actively adapt to the challenges of interest rate marketization,financial disintermediation and Internet financial development,accelerate strategic transformation,and build a differentiated,characteristic,efficient and widely covered banking system.Banks should also We strongly support supply-side structural reform and develop inclusive finance,and fostering and developing community banks is one of the important ways to achieve inclusive finance.This paper first analyzes the current situation of development of nine rural commercial banks.The main problems are the slow growth of the scale of development,the business structure is not conducive to stable development,and the competitiveness of the existing service model is weak.The interest rate marketization and financial disintermediation make the profit space narrow and increase the competition of the banking industry.The development of Internet finance makes the traditional management mode face the challenge,the customer's behavior pattern and demand are also gradually changing,the banking industry competition is fierce.Some banks have started community banks,so nine agribusiness banks are necessary to develop community banks.Nine-Taiwan Agricultural and Commercial Bank has always had a clear market position,a wide range of people and geographical advantages,with a good The corporate governance structure,the establishment of the increasingly perfect financial service center of small and micro enterprises,the promotion of the process of urban integration,the rapid growth of residents' wealth and the strong support of policies make it possible to develop community banks.Through drawing lessons from the experience of the development of the community bank at home and abroad,this paper puts forward several suggestions for the development of the community bank: clear market orientation,reasonable organization structure,comprehensive product service,quickening the construction of the intelligent network,Improve the management level of community banks and strengthen the ability of risk prevention and control of community banks.