Research On The Development Model Of Commercial Banking Community Finance

In recent years,the global economy has been in recovery after the economic crisis,China as the world's second largest economy,is no exception.With the advancement of the process of deepening reform of China's economy,as China's economic mainstay of commercial banks,development mode change is imperative,the development of community residents as the target group has become an inevitable financial community.As a pioneer of community finance Wells Fargo ranked fourth in assets of the US banking industry,managing $ 1.3 trillion in assets,experienced by the subprime mortgage and leveraged transactions triggered by the global financial crisis,asset management not only did not shrink and became the number one bank profitability,and has become the benchmark for commercial banks to learn.Early 2013,Minsheng Bank and a few other commercial banks launched a study to develop the community of Wells Fargo financial boom.With the end of the special branch of the China Banking Regulatory Commission issued the "on the small and medium commercial banks to set up community branches,small and micro branch in matters related to notice," a text,the text attributed to the Community Bank commercial bank branch category,and is not a high cabinet business.Firstly,the economic environment and the status of our commercial banking operations carried out in-depth analysis,followed by China's commercial banks pointed out the necessity of urgent operational transformation and development of community finance.Then,analyze the development of Community financial situation and faces.Finally,by studying the experiences of American community development banks,proposed the development of China's commercial banks should learn from the financial community,and the status quo of community financial development and problems facing our country,put forward reasonable proposals and countermeasures.