Research On The Community Bank Style Of The State Owned Commercial Banks In China

Community banks originated in the United States,expanded in Japan,Germany,China and many other places.The target customers of community banks are community residents,merchants,and small and medium enterprises.Under today’s fierce competition background in financial,the interest rate is getting tightening,Internet banks are emerging,as well as our country strong support small and micro loans,The financial management consciousness of the residents of our country is increasing,the demand of the reform of state-owned banks and financial innovation is becoming more and more urgent,The community model of state owned commercial banks can meet this need.However,compared with the development of foreign community banks,Banks in our country are still in the stage of beginning.As state-owned banks accounted for the largest market scale,the concept of community only exists in few departments,the reform measures are not effective.For this reason,this paper takes the reform of the state-owned banks as the research object.This paper follows the logic of“reform background,reform model,reform effect" to review the published research,analyse the state-owned banks’reform,case analysis of bank of communications.After summarizing the literature review and relevant theoretical foundation of community bank.In capter three,the author firstly analyse the reform mechanism of the stated owned banks,In the study of the development background of state-owned banks,first I ues SWOT analysis,to ananlyse the internal and external environment of the reform thoroughly.It proves the feasibility and necessity of the reform of the state-owned banks.Then,the paper makes clear the community development mode and existing problems of the three state-owned banks,namely,Bank of China,Agricultural Bank and postal savings bank.By comparing with the development of foreign community banks,we can get the shortcomings of the reform of state-owned banks in china.Since the community reform was carried out later in the bank of Communications.It takes advantage of the juniors to avoid the problems that had occurred before.So in the fourth chapter,I choose the case of Bank of Communications so that I can find the latest problems in the development of the state-owned banks’ community reform.The article analyzes its reform background,reform measures,the effectiveness of the reform,to come up with suggestions for reform.The fifth chapter,I put forward some policy suggestions according to the existing problems.The significance of this research is to find out the latest problems in the development of state-owned commercial banks so that to provide policy recommendations for reform.As a new model of commercial bank,no matter who the general public or bank staff all need a period of adaptation and learning,but from past experience,this model can reduce the manpower,improve the performance of the bank,create the intelligent financial community.therefore the community bank style can be used as the future development path for state-owned banks.