The Research Of Community Bank’s Sustainable Development

With the development of financial engineering and information engineering technology as well as the rapid development of Internet Banking, "Financial disintermediation" phenomenon has become increasingly prominent and the competition among commercial banks in the field of traditional banking is gradually increasing. Therefore, it has become an important trend at this stage that the banking realizes the transformation from the traditional wholesale business to the retail business,achieve retail channel sink and open up new living space. Aimed at serving the community residents and small and medium enterprises, community bank can not only make up for the financial gaps but also provide diversified and differentiated products and services. Community banks can achieve development advantages in the retail business and avoid business development field of large commercial banks and open up new profit growth point. So commercial banks have introduced the concept of "community bank" to promote the rapid development of new retail channels.More and more commercial banks began to build community banks under the background of "Inclusive Finance”. As the Community Banks are still in the primary stage, there is no perfect supervision and corresponding supporting measures.Community banks have a lot of problems in their development process. The introduction of the CBRC no.227 documents, to a certain extent, regulates the development of community banks and it also has slowed down the development of community banks.It is in this context that this paper is based on the basic financial theory of community bank, takes the sustainable development of community bank as the breakthrough point and analyzes the challenges and opportunities faced by the development of community banks to demonstrate that the development of community banks is still sustainable. Based on the Financial Symbiosis Theory, the paper demonstrates the symbiosis between community banks and the small and medium-sized enterprises. It shows that when taking into account the existence of small and mediumenterprises is the basis of community banks, the development of community banks are sustainable, and thus the transformation of the banking community is still desirable, and even necessary.This paper analyzes the problems existing in the development of community banks in China from the perspective of market positioning, marketing channel construction, business development and risk management system. It is pointed out that in the current economic situation, community banks need to clear their market positioning from customers, business, and business areas to promoting the sustainable development of community banks. In the channel construction, community banks should reasonably lay out community network, build the community financial supply chain and achieve precision marketing using big data. In aspect of business development, community banks should increase the intensity of innovation and provide diversified, differentiated products and services to create a full range of financial convenience stores. In terms of risk management system, community banks can learn from micro credit management method of the Grameen Bank and manage credit risk,meanwhile, community banks can establish the "Trinity" of the external supervision and management system.