Research On The Current Situation And Development Model Of Community Bank In China

With the continuous development of China's economy,market-oriented reform has entered a bottleneck,especially the financial reform has also encountered unprecedented suffering and problems,mainly in the bad debts continue to increase,declining capital returns,homogenization of competition more and more Serious and other issues.With Premier Li Keqiang in the government work report proposed to vigorously develop Pratt&Whitney finance,to provide an amount of ecological development to adapt to China's economic development,so that different groups of people can enjoy the amount of reform dividends.As an important practice of the development of Pratt&Whitney's financial concept,community banks provide an important model for the development and reform of China's commercial banks.In the context of the new normal economic development,this paper analyzes and summarizes the theory of community bank research at home and abroad,expounds the definition,characteristics and competitive advantages of community banks,and analyzes the logic of community bank development.United States,and summarizes the success of the retail business and the accurate market positioning through the case analysis of Wells Fargo Bank.Based on the analysis of the development of community banks at home and abroad,this paper has carried on the theoretical design to the development model of community banks in China,including the business model,the establishment mode,the supervision mode and the access and exit mechanism.The paper analyzes the characteristics of its business model,and provides practical experience for the future formation model,development mode and supervision mode of community banks.Can be seen,only to provide more in line with market demand for financial services is the fundamental driving force for the development of community banks.Of course,the development of community banks is also inseparable from the support of government regulators in policy guidance and risk supervision needs to play the role of government departments,community banks to provide a good policy and legal environment.The development of community banks not only implements Pratt&Whitney's financial concept,solyes the problem of the last mile of financial services,but also provides a new perspective for the reform and innovation of China's financial system.Therefore,the construction of community banks enriched the main body of financial market,for China's financial development and even economic transformation and upgrading play a very unusual role.