SY Rural Commercial Bank Community Banking Development Strategy Research

The financialization of economy is one of the important characteristics of modern economy.The development of finance is not only reflected in the activation of idle funds,but also in the realization of optimal allocation of resources in a wider range.As we all know,in the process of economic development,especially in the process of regional economic development,the capital factor is an irreplaceable factor.If financial resources cannot effectively play their blood role,scarcity will become more and more obvious,which not only affects the normal operation of the financial market,but also has a negative impact on economic development.The development of China's financial industry has gone through 40 years of reform and opening up,and has accumulated rich experience in both system construction and operation mode,and made recognized achievements.In particular,in recent years,the Internet,technological progress and innovation have become new drivers of China's financial development,giving a strong boost to the development of the financial industry.However,because lack of historical reason and its own development,inevitably a series of problems,such as the competitive characteristics of small and medium-sized Banks fall into development bottleneck,especially in the backdrop of the real economy running speed slow,commercial Banks are facing profit growth slow down,all kinds of rising operating costs,rising non-performing loans and a series of challenges.It can be seen that accelerating the structural adjustment and the transformation of development mode has become the top priority of small and medium-sized commercial Banks.It is urgent to explore new financial service models and improve the efficiency of financial resource allocation on the basis of the increasingly perfect banking ecosystem.In particular,the model of inclusive financial services such as community financial services is a development direction worth exploring in depth.With the deepening of interest rate liberalization,many commercial Banks are gradually shifting their focus to large retail.As an important platform and carrier of large retail,community financial services are once again sought after by small and medium-sized Banks.Based on the SY agribusiness community Banks and small and medium-sized Banks,for example,SWOT analysis have SY bank had "3 big advantage + 2 big disadvantage" coexist,the characteristics of the need to establish online and offline,products and services,operation and culture combined with the model of development,formed on the basis ofcommunity resources,community service target of new financial model,exploring technology,talent,system,service,innovation,and many other dimensions dynamic fusion model of development.Today,with the continuous emergence of new technologies and new models,the general improvement of residents' income level has created a once-in-a-lifetime opportunity for commercial Banks to integrate financial services into the community and open a new retail model.SY rural commercial bank community banking service model explored in this paper has certain reference significance for local regional Banks to further promote the development model of community Banks.In particular,the "one-stop" financial service model designed by us has certain practical value in the development of community finance.