Research On The Influencing Factors And Strategies Of Community Banks Development In Commercial Banks

The concept and mode of community banks in the United States has hundreds of years' history,with continuous deepening of the reform in China's financial industry,based on a large number of domestic scholars' analysis combined with foreign experiences and national conditions,some joint-equity commercial banks in china have begun to go with the tide of interest liberalization,accept the reform and adjustment of layout,and have sought win-win cooperation by working with Internet finance organizations.To achieve this,they have started to make their service terminals reach general residents by building network in communities,thus solving the problem of "the last mile" and providing a new path to developing retail banking businesses.Under the administration of regulatory institutions,many joint-equity banks in China applied for establishing licensed community banks.Specific to practical work,in the same economic environment and policy background,how should the regional financial institutions or commercial banks better manage community banks?What factors influence the development of community banks?This thesis hopes to take Minsheng Bank which developed community finance earliest and largest in Jinan as the research object,combining the method of grounded theory,the micro influencing factors model of developing community banks in Jinan was extracted.This fill the gap of community banking theoretical research in micro practice,It is a favorable supplement to the existing theoretical analysis of the macro aspect,also gives more explicit and detailed micro theoretical guidance for the implementation of the work.Firstly,this thesis reviews the literatures of community banks in different institutions and researchers at home and abroad,from the definition of the concept,the advantages of operation,the Enlightenment of foreign development,the necessity of our country's development and the mode of development,I have summarized and studied.With the help of a large number of macro theories,this thesis uses interviews and surveys to extract large amounts of data samples,analyzes the factors that influence the development of community banks from the micro level Combining the grounded theory method.The community banks mentioned in this thesis have a service range of within one community or neighborhood and are designed to serve both residents in the community and merchants of business districts around the community.By various self-service terminals and auxiliary human consulting,community banks are able to provide product services,many kinds of convenience services and special nonfinancial services quickly and easily.These community banks can be considered as retail banks that do not deal with corporate business or cash business.In China,the CMBC(China Minsheng Banking Corp.Ltd.)has both the largest scale and the fastest developing speed of community banks.In the CMBC system,the Jinan Branch has always been at the forefront of constructing community banks.And of all the joint-equity commercial banks in Jinan,the CMBC Jinan Branch is the most representative one in the construction of community banks,as it is the earliest bank to build community banks and started relative businesses.Therefore,the thesis selects community banks of CMBC Jinan Branch as research objects and introduces development process and main products and services of the banks.Take the method of on-the-spot investigation and questionnaire,through the investigation and interviews with selected ten Minsheng Bank branch network community surrounding businesses and residents,combined with the sample extraction method of grounded theory to practice,through the layers of decoding model summarize the micro factors influence the development of community banks.By means of field research and questionnaire interviews,ten Minsheng Bank's community branches were selected,and samples were obtained through investigation and visits to residents and businesses around them,Combining the grounded theory method,through layer by layer decoding,lifting and training,the micro influence factors model of community bank development is summarized,and verified by questionnaire.This thesis also combines case analysis,analysis the current situation of Minsheng Community Bank,understand the two specific factors:customer preferences of community financial services and network construction factor,proposed layout strategies to provide products and services for customer marketing,community bank outlets construction.Put forward how to provide the product and service customer marketing strategy,the layout strategy of the community bank network construction.The last part of the thesis points out CMBC Jinan Branch's current problems of developing community banks,puts forward improving measures and optimizing schemes for CMBC's development of community finance,It also provides powerful guidance and reference for the commercial banks in Jinan and even in the whole country to explore and carry out community banking.