Analysis On The Business Operation Of CMBC X Community Bank

The popularity of Internet finance and the intensification of competition between Banks have impeded the growth of traditional personal finance business of commercial banks.More and more commercial banks are focusing on small and micro finance and small area finance.Especially in the context of inclusive finance,community banks,which are rooted in the grassroots and serve the community,have become an important means for banks to explore community finance.In 2013,China Minsheng Bank,Shanghai Pudong Development Bank,Industrial Bank Co.,Ltd and other commercial banks actively planned the operation of community Banks,becoming the first batch of commercial banks to establish community Banks in China.in the same year regulatory authorities issued relevant policy carried out the preliminary specification,community banks become one of the key channels of commercial Banks to carry out the inclusive financial.This paper mainly uses literature research method,case analysis method and other research methods to analyze the relatively mature X community bank of minsheng bank.The first chapter is the introduction part,which mainly introduces the background and significance of the topic,elaborates the research status of community Banks at home and abroad,and introduces the research content and method of this paper.The second chapter is an overview of X community banking business,analyzing the development status of CMBC community banking,the basic situation of X community banking business and the operating results obtained;The third chapter is the operation strategy analysis of X community bank.This chapter analyzes the operation strategy of X community bank from the three aspects of target customers,product marketing and publicity activities.The fourth chapter is the business analysis,which mainly introduces the business model,business types and business operation characteristics of X community bank.Chapter 5 analyzes the business performance of X community bank.By comparing the average level of X community bank and CMBC in the same period through three indicators,namely financial assets,number of customers and financial assets per customer,it can be seen that X community bank performs better in its system than other community Banks.The sixth chapter analyzes the enlightenment of X community banking business and the improvement measures,X community Banks good business benefit from the business process intensification of management,marketing of intersection and relational services,but there is still such as awareness,professional quality to strengthen enough problems to be improved.Community Banks are not only the improvement of the organizational structure of commercial banks,but also one of the ways for commercial banks to implement inclusive financial policies.The subsidence of physical bank branches increases the radiation range of banking services,enabling more and more people to obtain financial products and services through various channels,and enabling more people to experience the convenience brought by economic development.The introduction and improvement of community banks have,to some extent,added more extensive channels for the implementation of inclusive finance policies in China.