Research On The Development Model Of Community Bank In Zhejiang Area Of MS Bank

China’s rapid economic development, can not be separated from the huge role of the banking industry. In the past two years, the community bank as an innovative business of the banking industry, it has greatly facilitated the community residents of the store business. The banking of our country working hours are nine to five, many residents if to transact business, on Saturday and Sunday for, and this two days just is peak. Therefore, the emergence of community banks, slowing the conflict between some residents and bank service time.Before and after 2013, China’s community banks have sprung up in the vicinity of the community. MS bank is the earliest bank community bank distribution enterprises. MS Bank Zhejiang area community banks to financial convenience store services in the form of the community residents, after entering the convenience store, in addition to the traditional business of the bank, there are a variety of convenience services and financial services to provide, but homogenization of competition in the same industry has entered white hot stage, Ms bank Zhejiang area community banks though the earliest layout, but relative income is not very ideal. The author repeatedly reconsiders our country "community banks" value and location, combined with the impact of the financial business in the current Internet, the overall reform of the big data era background, financial system background, in view of the development of the concept of community banks put forward new ideas, change the traditional "selling" thought, and gradually to an integrated financial service forward.In this paper, the domestic and foreign research situation at home and abroad are described, and the concept of "community bank" is described. Explains the development of MS bank in Zhejiang area community banks. The author also of the dilemma of the development of community bank in MS Bank of Zhejiang Province were cause analysis, compared the experience of domestic and foreign development of community banks in the proposed optimization of the development model of MS Bank Zhejiang area community banks. Finally, in order to ensure the implementation of the model, the development of MS bank Zhejiang area community bank protection measures are proposed.