Quantitative Research On The Competitiveness Of Community Banks In China

In the process of accelerating the process of interest rate marketization,Internet finance is developing rapidly.Small and medium-sized micro enterprises also get more and better demand for financial services.Many commercial banks are speeding up the transformation and developing to "community finance",So the community for the establishment of community banks growing enthusiasm.The development of community banks for the transformation of commercial banks have an important role in guiding the effective promotion of community banks through the establishment of personalized financial services to capture the market;effectively solve the problem of financing difficulties in small and medium enterprises,To promote the healthy and rapid development of small and medium-sized enterprises,so as to be able to very effective for the national economic development into new vitality,to a certain extent make up for the shortcomings of large banks,to effectively improve China's financial system,the formation of a diversified Market competition pattern.First of all,this paper first reviews the research results and conclusions of community banks and some interest rate marketization at home and abroad.Through the discussion of community banks for domestic and foreign scholars,the definition of community banks has also defined the community banks.And then analyzes and defines the connotation of interest rate marketization,and the detailed analysis of interest rate marketization in China.This paper takes the short-term loan balance of the financial institutions as the sample,carries on the correlation analysis,and carries on the empirical analysis to the result,draws the conclusion that the community bank loan to the small and medium-sized enterprise GDP contribution is far bigger than the big bank and other financial institutions.The Logistic model was used to simulate the sampling data through SPSS software,and the correlation coefficient was obtained,and the regression model was established to analyze the factors affecting the use of community banks.At the end of the article,the author summarizes the viewpoints of this paper and the prospect of the development of community banks in our country.