Research On The Strategies Of Business Performances Of CMBC Dalian-Community-Bank Profitability

As environmental deterioration in the market and the challenge for the banking development, growing competition between domestic Banks and foreign capital Banks and domestic Banks also face a more intense competition, the rise of the Internet financial to reversed transmission of traditional banking reform, this kind of situation, to a bank to be in an impregnable position must actively seek new development model. This article selects the more typical qualitative national joint-stock bank, China minsheng bank as the research object, for its development in the face of the diversification of banking industry took the lead in domestic took the concept of "community bank", and the construction of rapid and occupy this piece of blue ocean, developed a new development pattern of traditional retail banking, seek new profit growth point.Community Banks is market-oriented operation, the commercial development of small financial institutions, assuming sole responsibility for its profit and loss system advantage is significantly higher than small business outlets, at the same time, countries also constantly on system for community Banks this new green financial management pattern, in terms of scale is equivalent to the commercial bank online (traditional branch), community Banks because of its unique advantages can't burden the expansion of traditional branch cannot reach places, to take on the "tall" financial services to the customer's home, convenient and beneficial, benefiting the peopleIn this paper, on the basis of theoretical research, the main foreign countries community bank paper summarizes development experience, and analyze the present situation of Chinese joint-stock Banks in view of the people's livelihood bank dalian branch of community Banks, its already running the profit pattern of community Banks and its development sustainability and can guide for later develop new outlets.This study is mainly to the actual case as the research object, the livelihood of the people of dalian community residents and community Banks income listed four branch is representative of the community as the main object of analysis, welmade branch, littoral sunshine community branch, cliff eight district branch and silicon valley holiday community branch, transverse comparison of four different community is the best way to profit and the most suitable combination of profit, analysis and research out of the three important factors influencing the community bank performance; Longitudinal comparison at the same time the advantages and disadvantages of every community branch profit way, combined with the network of all kinds of business cost, for truly sustainable profitable community branch choose personalized management method. Then for the dalian branch of the people's livelihood community profit focus and select new community branches provide valuable referenceConcluded that affect community branch level operating performance are mainly is the composition of each community branch create profit product, the cost of high and low and community branch area location choice 3, according to the data analysis in view of the above three optimization strategy is presented. Through the four communities branch source of business performance comparison analysis and cost analysis can be summed up the main factors influencing the community Banks operating performance for the three aspects:the first is the community Banks can create profit product choice; The second is management cost; The third is the community bank area location, different geographical location can have different communities and total family income, the more the number of residents, the higher the average annual income of the community's overall profitability is higher.