西安市社区银行发展初探2

XCLW25301  西安市社区银行发展初探2  (字数：8668)

摘 要

由于西方国家的金融业起步较早，发展水平比较高，社区银行作为金融业务的一种，在发达国家已经具有比较完善与成熟的水平，而我国金融起步晚，相比发达国家，发展水平滞后。在我国，社区银行的发展潜力还比较巨大，随着金融配套设施的不断完善，部分股份制商业银行的营销策略也倾向了社区银行，并且不断寻求创新模式，加大市场占有率，增强传统商业银行客户的忠诚度。

为了拓展零售业务经营渠道，大力发展银行零售业务，为客户提供更加便捷、优质和满意的服务，西安市积极探索社区零售银行新业务模式。为了能够加强社区银行运行规范，形成规范化的管理流程，提升自身发展竞争力，有关部门还需要加强监管，本文以西安社区银行为例进行研究，对西安社区银行的发展现状进行了总结，分析了在发展过程中国存在的问题。美国作为社区银行发展水平比较高的国家，以其作为比较，探索了适应西安社区银行的发展策略。凭借社区银行服务系统在西安当地开展了轰轰烈烈的社区行活动，满足了社区客户个性化金融服务需求，有效提升了社区银行的服务质量，以此促进社区银行在我国的健康稳健发展。

关键词：社区银行，西安，发展现状

Abstract

Because the west's financial industry started earlier, development level is higher, community Banks as one of the types of financial business, in the developed countries already have relatively perfect and mature level, and financial in China started late, compared with developed countries, the level of development lag. In our country, community Banks development potential is huge, with the constant improvement of the financial supporting facilities, part of the joint-stock commercial Banks tend to the marketing strategy of community Banks, and constantly seek innovation pattern, increase the market share, enhance the traditional commercial bank customer loyalty. 

In order to develop retail business channels, and vigorously develop bank retail business, providing customers with more convenient, high quality and satisfactory service, xi 'an to actively explore new business model community retail bank. In order to strengthen community Banks operating norms, form the standardization of the management process, promote the competitiveness of the own development, authorities also need to strengthen regulation, this paper study in xi 'an community Banks, for example, to xi 'an, summarizes the development status quo of community Banks, analyses the problems in the development process of China. The United States as the country with higher level of development of community Banks, with its for comparison, explore the strategy of the development of xi 'an community Banks. With the community bank service system in xi 'an has carried out vigorous local community activities, meets the requirements of customers personalized financial services community, effectively improve the service quality of community Banks, promote the healthy and steady development of community Banks in China. 

Keywords: Community Bank, Xi'an, development status

目 录

摘 要 2

Abstract 3

目 录 4

第一章 绪论 5

1.1选题背景和选题意义 5

1.1.1选题背景 5

1.1.2选题意义 5

1.2本文研究方法及范文框架 5

1.2.1研究方法 5

1.2.2范文框架 6

第二章 社区银行的概念 6

2.1社区银行的定义 6

2.2社区银行的特征 6

2.2.1社区银行是企业 6

2.2.2依托社区资源发展 6

2.2.3以个人、家庭和中小企业为服务对象 7

2.2.4“关系融资”是社区银行竞争优势 7

第三章 美国社区银行发展经验 7

3.1美国社区银行概况 7

3.2美国富国银行的成功经验 8

3.2.1核心存款是低成本资金的有力保障 8

3.2.2渠道多元化建设是高效运行的物质基础 8

3.2.3全球最佳小企业服务 8

3.2.4重视电子渠道的发展与整合 8

第四章 西安市社区银行发展的现状 9

4.1西安市社区银行业务概述 9

4.2社区银行存在的问题 9

4.2.1营销策略创新力不足 9

4.2.2市场定位较局限 10

4.2.3营销人才较少 10

第五章 促进西安市社区银行发展的措施 11

5.1实施差异化的产品营销策略 11

5.2扩大市场定位 11

5.3培养社区银行管理专业人才 11

参考文献 12