A Comparative Research On Community Bank Between China And U.S

Finance,the core of the development of modern national economy,is also the main driving force of sustainable and healthy development of economy.In 1980s,t he international financial situation and the world economic structure changed due to the collapse of the Bretton Woods System.Global financial institutions mergers an d acquisitions rise repeatedly,driven by the banking to change the direction of larg e banks.The emergence of community banks filled the gaps of the business layou t in the traditional commercial banks.At the same time,community banks provide a powerful financial support for economic development and adjust the industrial stru cture,effectively alleviate the financing difficulties of SMEs and other economic pr oblems.The historical achievements of community banks established its concern in the banking industry is inevitable.Since independence in 1776,the United States has 240 years history.The finan cial system has developed into the most mature and perfect financial system in the world.The development of the U.S.banking,follow the pace of the market refor m and innovation.Due to the multi-dimensional needs of financial markets,commu nity banks came into being,and made a great contribution to the economic develop ment of the United States.Compared with the United States,the emergence of Chi na community banks is relatively late.Due to a variety of factors leading to the m arket positioning of China’s community banks is not accurate,resulting in the opera ting mechanism also has some problems.After the outbreak of the financial crisis i n 2007,the U.S.banking industry suffered heavy losses,the pattern of the global b anking industry has changed.The U.S.banking industry’s overall profit fell sharply,the world’s largest banks ranked reshuffle,China’s large state-owned banks in rece nt years,the rapid increase in the rankings.The U.S.banking industry is showing signs of ennui,but the efficiency of banking services,management mechanism,hum an resource allocation,innovation ability and technical level is still the biggest in t he world.It has a profound guidance and research value for the development of C hina community banks.The paper is based on the relationship lending theory and t he theory of market positioning.Community banks in China and the United States are the subjects of study,in the development process,external environment,manage ment mechanism,business model as the main carrier of American community banks conduct a comprehensive comparative analysis.Put forward some suggestions on i mproving the development of China community bank.