Study On Development Strategy Of Community Bank C

In order to solve the problems of insufficient financial supply,low coverage of financial institutions and inadequate competition in rural areas,China Banking Regulatory Commission issued in 2006 “Opinions on Adjusting and Relaxing the Access Policy of Banking Financial Institutions in Rural Areas and Opinions on Better Supporting the Construction of New Socialist Countryside”,which readjusted and soften the barriers for the establishment of Community Bank,encouraging commercial banks that meet certain standards to set up Community Bank and to support their development.In recent years,the State Council has promulgated the "Promotion of inclusive financial development plan(2016-2020)" and the "Opinions of the State Council on the implementation of the strategy of rural revitalization" in No.1 Central Document,emphasizing the need to improve the rural financial system suited to rural characteristics and to increase the coverage of rural financial services.At the end of 2018,more than 1600 Community Banks have been opened.This paper takes Community Bank C as a case study.Firstly,through the use of PEST model,the development background of Community Bank C is analyzed from four aspects:political environment,economic environment,social environment and technological environment.In terms of political environment,the state gives preferential policies and incentives in supervision,taxation,financing and guarantee,etc.In terms of economic environment,county economy develops rapidly.In terms of social environment,the pace of urbanization has accelerated,financial poverty alleviation has deepened,and residents' savings have increased steadily.In terms of technological environment,the Internet has promoted the diversification of rural finance,and launched mature technology to help the information construction of Community Bank.Secondly,by means of collecting and sorting out various financial data,system documents,announcements,interviews and other information of Community Bank C,analyses its development status and characteristics,and affirms its achievements in operation and management.Furthermore,summing up the problems of Community Bank C in corporate management,business operation and risk control,analyses the causes of the problems and explores the new bottlenecks of its operation and development due to the dual effects of its own development shortage and macroeconomic decline.Finally,some suggestions for optimization and improvement are presented through the in-depth analysis of the aboveproblems.Through the research and analysis of this paper,it can provide suggestions for the management and development strategy of Community Bank C,and also provide reference significance for how to meet both of the conditions that completing the social responsibility and ensuring the sustainability of profits.