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HEADLINEdocx - What is a community bank It has been noted...

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What is a community bank? It has been noted that though banks size may be the best single proxy for identifying a community bank, (Robert, William & Gregory, 2004). If this is used to define the community banks, then some of the large community banks will not be left out but the small ones will. It does not just use fixed size limits to determine which banks belong in our sample. A community bank can therefore be define by considering the total consolidated assets it owns as well as consider other factors like the extent at which the bank can use the geographic scope plus the community relationship approach. What are the differences between Business Model of Chinese and American Community banks? Business Model Analysis of Community Banks in the U.S. Service Object Analysis of Community Banks in the U.S. The US Community banks service objectives are focused mainly on small and medium sized enterprises and also small farms within a certain community as well as the residents. The community banks always develop loans for specific customers through the advantage of soft virtue information they gather about them. Service Area Analysis of Community Banks in the U.S. Services of American community banks in the limited geographical area as compared to the other enterprises. Assets and liabilities business mainly occur in the community. Funds that are absorbed, are used in the development projects of the local markets. Service Product Analysis of Community Banks in the U.S. The U.S. community banks service products are the traditional and limited product
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types. According to the survey of Public Interest Research Group (PIRG) in 2001, community bank charges about 15% less than that of the large inter-state banking institutions on average in the checking accounts and other savings services (Li, & McMahan, 2015). Community banks concentrate on business innovation as well as develop the trust, insurance and consulting services. Business Model Analysis of Community Banks in the China Service Object Analysis of Community Banks in Chinas The Chinese community banks tend to focus on the large customers as the large banks for a long time when choosing the customer object. The community banks in china focuses on the large customers that are in the larger banks. This is done for a long time especially when choosing a customer objective. For instance, in 2013, about 78% of the new loans of the branches at different places of one sample bank are invested in the large enterprise while 100% new loans of branches at different places of another sample bank are invested in the enterprise (Wang, Wang, & Wang, 2016). Management Area Analysis of Community Banks in China The China Banking Regulatory Commission (CBRC), issued Opinions on Adjustments of the Market Access Policy of Branches of Small and Medium-sized Banks (Trial) in April 2009. This loosened the restriction on setting new branches across the community thus making about 78 community banks to achieve a cross- regional development by the end of December of 2015, (Wang, Wang, & Wang, 2016).
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