XXA few years ago, the phenomenon of residents handling business through electronic channels such as online banking and mobile banking was not so popular today. Therefore, community banks can play a close role in serving the financial needs of community residents. Nowadays, with the rapid development of mobile payment, residents' cash With fewer and fewer businesses, the number of passengers in community banks is naturally less and less, and it is difficult to support the normal operation of community banks. When banks have turned their focus to emerging financial service models such as mobile APP according to market changes and development trends, coupled with the high operating costs of traditional outlets and the difficulty of collecting deposits by community banks, they are reluctant to invest and maintain community banks. The problem is that many elderly groups are still not suitable for mobile phone operation, so the group that has the greatest impact on the closing tide of community banks is elderly users.
From the perspective of commercial banks themselves, it is unreasonable to first locate a community bank. For example, some banks have not figured out the concept of “community” and have mistaken residential communities as communities. For another example, there is no rigorous investigation into the financial needs of small businesses and residents around the community. Undoubtedly, commercial banks do not know that decision-making will be unscientific.
Second, the service lacks features and does not meet demand. It is said that community banking services should be differentiated from the services of other branches and branch outlets. They should be based on community services, draw closer to residents through community services, and provide personalized services according to residents' needs. However, many community banks are actually branch offices of “reduced version” and “simplified version”, which lack their own characteristics.
But not all community banks are lacking in people's interest and business is bleak. For example, according to media reports, the Sai Lucheng Community Sub-branch of the Shanghai Branch of Shanghai Pudong Development Bank in Chaoyang District, Beijing, has received residents for pet waiting area, convenient service area, child service area, free collection point, and deposit credits. Recognition. The community bank is hopeful to succeed.