Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )

A Case Study on Community Banking Transition Strategy of Small and Medium-sized Commercial Banks in China

Author WeiFaJun
Tutor ZhangHong
School Shandong University
Course Industrial Engineering
Keywords Small and Meduium Commercial Bank Community Bank Transformation strategy
CLC F832.33
Type Master's thesis
Year 2013
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Since the19th century. the concept of community banks have sprouted in the United States, due to positioning clear, community banks and large banks to implement dislocation competition, and achieved good economic and social benefits. At present a large number of SMEs in general deposit loans, to a certain extent restricted the healthy development of the national economy, although a large number of bank branches throughout the city, but the masses of ordinary people still can not enjoy the efficient and convenient financial services, the most prominent is the bank queuing phenomenon is getting worse. As SMEs and urban residents is difficult to obtain financing from banks, led to the current flooding in parts of civil usury, causing financial disorder. Some criminals seize the weaknesses residents lack of financial knowledge, implementing private funds, Internet fraud, telephone fraud and other forms of criminal activity, so that a larger part of the population suffered property losses, the impact of social harmony and stability. For the banks themselves, the Chinese government continued to promote the interest rate market interest rates, which will inevitably lead to bank deposit and loan spreads gradually narrowing income, the bank’s profitability is affected, for small and medium commercial banks, subject to its own conditions and financial regulation restrictions in the short term is difficult to adjust its business structure to improve revenue structure.Community banks is to solve the above-mentioned social issues and development issues in the bank’s own good way. In recent years, the country has some joint-stock commercial banks and city commercial banks to transition to community banks, theorists also the related discussion. Author’s Qilu Bank also raised for community banks strategic transformation. The main part of this paper, by using the "SWOT" analysis method, a comprehensive analysis of Qilu Bank community bank restructuring own strengths and weaknesses and external facing social environment on the basis of the analysis, the Qilu Bank community bank restructuring proposals, including conducting network layout and service functions of the transformation. increase SMEs and individual client’s marketing efforts, working closely with the community to build community bank’s brand, increase product innovation and technology support, and actively seek the support of the government and other regulatory authorities.Based on a more typical small banks to implement community bank restructuring strategy analysis, gives a strong operational implementation of the recommendations. Also confirmed a large number of China’s current transformation of small and medium commercial banks to community banks is feasible, which is the next step for the government’s reform of the banking system has a certain reference value for future studies theorists community banks also have a certain significance.

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