Research On Community Financial Business Model Of Minsheng Bank Guiyang Branch

In recent years, the domestic and international situation is undergoing profound changes, and the domestic has been continuing to experience sluggish economic growth. With the further reform of Chinese economic, financial system and the liberalization of interest rate, the traditional profit mode of commercial banks is challenged by the narrowed gap between interest and deposit Loan Rate. Commercial banks are confronted with management and business model transformation. Meanwhile, as a critical part of the national economy, the small and medium-sized enterprise have become more and more important and played a key role in economic growth. However, financing difficulty is a main obstacle for its development. International experience shows that, the community bank is an important part of retail business, which can effectively reduce the system risk in the financial system and enrich the financial market. Most of all, it can fill the blank of the financial market and improve the financing environment of the small and medium-sized enterprise, which will promote the national economic development significantly. Community banks has become an important strategy for the transformation of domestic commercial banks and the success of this pattern will make a huge effect on the competitiveness of commercial banks. We should notice that the community bank still is a new thing in China, and it is necessary to find out one better pattern of its business mode, probe into the management, and strengthen the empirical study and investigation. Therefore, the paper stands on the status quo of the financial market in Guiyang city by the case of Guiyang branch of Minsheng Bank, with the community business strategy of the micro financial and community financial. This paper analyses the residents’ preference through the dimensions of the types of customers, community characteristics,and the preference of financial products and service by using the questionnaire method Puts forward countermeasures and suggestions for the sustainable and point out the problems of market orientation, financial innovation, management and risk control. Accordingly, it puts forward countermeasures and suggestions for the sustainable development community banks,that community banks should take the opportunity and advantage to raise the core competitiveness by achieving precise market positioning and improving the level of management and risk control.