【作者】 徐毅；

【导师】 周东生； 李绍波；

【作者基本信息】 大连海事大学 ， 工商管理（MBA）（专业学位）， 2020， 硕士

【摘要】 2018年中央经济工作会议上提出要“发展民营银行和社区银行”,银行业拓展经营渠道发展社区银行成为我国金融改革的重要方向。社区银行发展既是我国普惠金融战略发展的现实需求,也是我国银行机构体系优化的必然选择。发现我国社区银行的发展问题,指出社区银行的发展方向,不仅有利于当前形势下我国银行业的转型升级,也是深化金融供给侧改革的重要举措。虽然我国社区银行发展相较于美国等国家来说起步较晚,但是近年来在各项政策支持下发展迅速。在社区银行的发展过程中,一部分股份制银行大力推广社区,通过走进社区形成了新的经营方式,客户满意度不断提升。但是,近两年各商业银行的社区银行加速筹建的过程中,也遇到了不少问题,如发展定位不清晰,经营方向不够明确,治理不完善等,这些问题成为社区银行长远健康发展的瓶颈。另外,随着金融科技的快速发展,传统的银行物理网点成本提高,利用信息科技实现银行传统网点向智能化和轻型化符合当前金融与科技融合发展趋势,信息进步对于社区银行发展既是机遇也是挑战。本文首先梳理了国内外学者关于社区银行的研究现状,并对社区银行的相关理论进行了研究。随后通过对社区银行的界定、特征和社区银行发展的金融共生、关系型信贷和普惠金融三大理论基础进行阐述,以交通银行山东省分行的社区银行为研究对象,基于实地调研和理论探讨,揭示交通银行山东省分行社区银行的发展现状以及业务开展过程中存在的问题。目前,交通银行山东省分行社区银行发展的问题主要表现在盈利能力不足,社区化服务存在短板、认知程度有限、抗风险能力较差以及政策支持体系不完备等方面。为找到解决问题的策略,本文运用SWOT分析法全面分析交通银行山东省分行社区银行发展的内外部优势、劣势、机会以及威胁。本文认为交通银行山东省分行发展社区银行,应该采取明确网点布局标准、对网点布局进行综合评分、业务模式创新、服务渠道创新、扩充差异化营销渠道、突出“融入社区”的品牌文化、创新非金融产品凝聚人气、开设专属电子服务体系、加强第三方机构合作提供多样化产品以及开发社区银行专属消费信贷类产品等举措推动社区银行业务的开展。最后,为有效保障相关策略的落地实施,本文从完善社区银行经营体系和监管体系两大方面分别提出了保障措施。本研究通过对交通银行山东省分行社区银行的发展进行研究,希望能够为其社区银行的健康发展提供指导与借鉴,同时,也希望通过本研究成果,能够其他商业银行的社区银行长远健康发展提供参考与借鉴。更多还原

【Abstract】 At the 2018 central economic work conference,"develop private banks and community banks" was proposed.To broaden banking business channels,community banks develop has become an important direction of China’s financial reform.And the development of community banks is not only the realistic demand of Inclusive Finance Strategy in China,but also the inevitable choice of the optimization of the banking system in China.Under the current situation,finding how to develop community banks is beneficial to the upgrading of China’s banking industry,and it’s also an important measure to deepen financial supply side reform.Although the development of community banks in China started late compared with the United States,it has developed rapidly in recent years under the support of various policies.Many commercial banks open community outlets,,banks form a new way of operation.Through entering the community,customer satisfaction continues to improve.However,in the past two years,many problems appeared,such as unclear development orientation,unclear business direction and imperfect governance.These problems have become the bottleneck of the long-term and healthy development of community banks.In addition,with the rapid development of Fintech,the cost of traditional physical outlets of banks has increased.On the other side,the Fintech also promotes banks uprading.To sum up,technology progress is a challenge as well as an opportunity for the development of community banks.Firstly,this paper reviews the research status of community banks at home and abroad,and summarizes the theoretical research progress of community banks.Then,based on the definition and characteristics and the three theoretical bases of community banks,this paper takes the community banks of Shandong Branch of Bank of Communications as the research object,and reveals the development status and existing problems of community banks of Shandong Branch of Bank of Communications through field research and theoretical discussion.These problems are various,such as in the lack of profitability,short board of community service,limited awareness,and incomplete policy support system.In order to find the strategy to solve the problem,this paper uses SWOT analysis to analyze the internal and external advantages and disadvantages of the development of community banks of Shandong Branch of Bank of Communications.This paper holds that in order to develop community banks,Shandong Branch of Bank of communications should take measures such as defining the standards of outlets layout,making comprehensive scores on outlets layout,innovating business models,innovating service channels,expanding differentiated marketing channels,highlighting the brand culture of "integrating into the community",and innovating non-financial products to gather popularity,we will strengthen cooperation with third-party institutions to provide diversified products and develop exclusive consumer credit products for community banks.更多还原