Abstract
With the rapid development of information technology and the Internet, online financial services are fast, equal, and flexible, which bring a lot of challenges to commercial banks, especially the subsidiary community banks. This thesis first clarifies related research at home and abroad and further expounds on the development status and existing problems of the community banks. Then it proposes to improve the supervision system, strengthen technical support and talent reserve, and promote the development of online finance and credit reporting, in order to increase the core competitiveness of community banks in China.
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