Research On The Development Of Community Banking In Guiyang Branch Of Bank A

With the deepening of the reform of the economic system and the multiple impacts of the development of Internet finance,China's banking system has for many years been dominated by traditional bank outlets,and its relatively simple form of business model has been broken.Community banks,with their characteristics of low cost,closeness to customers,and differentiated services,have become the battlefields that various banks scrambled for.In order to regulate the follow-up development of community banks,in 2013,the China Banking Regulatory Commission issued A Notice.In the first half of 2014,the China Banking Regulatory Commission issued the first batch of bank licenses.Bank of China's banking community has ushered in a wave of development.Bank A is a national joint-stock commercial bank.In 2011,Bank A opened a tier-one branch in Guizhou Province.Since its opening,the Branch has been focusing on business,The business development of retail and micro enterprises was slow.in June 2017,the Branch had only 7 branch offices in Guiyang,which could not meet customer needs.In order to develop its business,in July 2015,it opened 8 community banks in batches,attempting to use community banks as a starting point for the development of retail and micro business operations.After a while,the development of community banks is not satisfactory.The paper analyzes the problems existing in the development of community banks in Guiyang Branch of Bank A and puts forward relevant opinions.It is believed that Bank A has problems in five aspects such as location selection,product promotion,incentive mechanism,business system,and outlet types.Based on the discussion of the issues,we put forward various measures such as diversifying the market,enhancing business support capabilities,strengthening personnel management,improving incentive mechanisms,and establishing differentiated outlets.I hope this paper can provide positive ideas for the development of the bank.