A Research Of S Community Banks' Development Stategies

In recent years,due to the slowdown of the domestic economy,the real economy started to decline and commercial banks have also been shocked.Combine with the accelerating of financial disintermediation process,domestic banks have begun to open up a new direction for the development.The voice of building up community banks began to rise.The development of community bank not only can help commercial banks segment market and cater to the needs of customers from different angles and levels,but also explore the depth of the potential demand of the market and play an effective basis for the bank's products and services.On the one hand,small and micro enterprises directly influence in economic development of China's real economy.In order to solve the financing difficulties of small and micro enterprises issues,the scholars put forward the viewpoint of through the establishment of community banks to ease the plight of small micro-enterprise financing difficulties.On the other hand,community banking as a service industry and an important participant in social and economic development must serve for the residents.Therefore,the emergence and development of community banks are both residents and social demands.To help commercial banks to understand the strengths and weaknesses they face and grasp on the development of community banks,the paper study on S Community Banks as a case.The paper explore their business operations and development strategies in order to provide a theoretical basis for the work of S Community Banks and pointing out the development direction and focus.Meanwhile,the study can provide a reference for the S line similar to domestic commercial banks in the future development of community banks.The main structure of the paper is as follows:the first chapter introduce the background,the significance,the research content,the research methods and innovations of the paper.Chapter 2 describes current research community banks,a brief review of the literature,and the theory of strategic research overview.Chapter 3 status and abroad community banks operating mode.Chapter 4 is the analysis of the operating conditions of S Community Banking.Especially on the analysis of the S Community Banks Nanjing Branch.Chapter 5 determines the development strategy of S Community Banks by using SWOT analysis method.Chapter 6 is conclusion and outlook.Summarizes the development of S Community Banks and future directions.The conclusion of the paper is as follows:First,the successful experience of foreign community banks are:a clear target customer,choosing relational credit products and a clear market positioning.Second,the problems and shortcomings of the community banks are:imperfect laws and regulations,too homogenization services and the lack of small and micro enterprises exclusive services.Third,the summary S Community Bank Nanjing Branch:Branch of five community belonged to the middle level of business within the S Community Bank systems.Types of business are also not comprehensive,it is also necessary to achieve better development and growth.Each branch of the development there is insufficient(specifically in Chapter 4).Fourth,the advantages of S Community Bank are geography,popularity and information.The disadvantage is that the difference is not high.The separation of community branches and small and micro enterprises branches is another disadvantage.The opportunity lies in the development of retail business,increasing financial needs of residents and small businesses.The threats are competitive pressures from state-owned banks,other commercial banks and city commercial banks.