Research On The Development Of HS Bank Community Bank

In the past 30 years of reform and opening up,China's modern banking system has been basically established,its overall strength has been significantly enhanced,its institutional mechanism has undergone major changes,its service functions have been comprehensively improved,its external environment has been significantly improved,and its international status has been unprecedentedly enhanced.However,China's banking industry still has shortcomings in terms of internal sinking.The concentration of the internal market sinks and the full coverage of inclusive finance,community banks play an important role.In 2013,China began to implement community banks,which immediately aroused widespread concern in society.From the perspective of Western countries,it has been a long time to build community banks,and its development is relatively mature.However,community banks in China are still new things,and there is no supporting regulatory mechanism,which has led to some problems in the development of community banks.Under the influence of the constant changes in the financial market,the importance of community banks has become increasingly prominent.The development of community banks is also an important way for HS Bank to achieve transformation in the context of financial disintermediation,internet finance,and inclusive finance.This paper first reviews the research results related to community banks.On the basis of combing these results,combined with the development status of community banks in China,it is pointed out that the community banks mentioned in this paper refer to the services of small and medium-sized enterprises and households in the business area.Classes with distinctive banking outlets.Then,with HS Bank Community Bank as the object,the development status of HS Bank Community Bank is elaborated,and the problems in the development process of the bank are summarized.Combined with its development goals,from positioning,differentiated products and services,customer positioning and customers.Analysis of experience,community bank staff quality and community bank performance appraisal,and propose optimization suggestions.This paper,through the research on the development of HS Bank Community Bank,refers to the benchmarking bank,proposes optimization suggestions,and has certain reference significance for other commercial banks to develop community banks.