The Research On The Problem Of Promoting The Transition Of The State-owned Commercial Bank Branches,reference To Community Bank

Community Bank is a kind of popular and mature financial institution in western countries, which provides targeted financial products and services to medium-small enterprises and personal customers within pacific area. Community Banks not only can promote the local economy, but also get fabulous business performance by themselves. In China, the development of community banks is just on the beginning. But in the developing strategies of many small banks, establishing community banks is the most important way to struggle more and more quality markets.This paper studies the transition of the state-owned commercial bank branches, referring to the experience of community bank and following the theories of financial symbiosis and comparative advantage. According to the research, state-owned banks have advantages on branches quantity, function, environment, staff structure and totalization, but with the rapid changes of financial condition and consume habits, with the fast development of internet finance, with the fierce competition among different financial institutions, it is very necessary and urgency for the transition of state-owned commercial bank branches, whose beneficial results are quite lowly.By the end of this paper, there are seven suggestions, which are clarifying the market position, flattening the institution management, deepening the team building, classifying the targeted market, building the quality brand and different management in business performance. Hope these suggestions can be useful for the transition of the state-owned commercial bank branches.