With the growing growth of China's Internet finance, it has brought great pressure to the banking industry. The traditional profit model has not applied to the current environment. All industries are seeking opportunities for transformation. It is also the general trend that the development of community banks is the strategy of the banking industry. In order to develop community banks quickly and effectively, this paper analyzes the factors that affect the development of community banks in Guangzhou according to the present situation of community banks in China. In order to effectively deal with the difficulties and challenges faced by the development of community banks in Guangzhou, this paper analyzes the factors that affect the development of community banks in Guangzhou through a risk assessment model based on the Likert scale. This paper analyzes the problems existing in Guangzhou Community Bank and puts forward put forward.