Research On The Innovation Of Banking System Under Coordinated Urban-Rural

At present, urban and rural development has become China’s socialist modernization process related to the major strategic issues. In this situation, the banks how to support the urban and rural development has become the focus of the government sector, banking and academia.In this paper, banking system innovation under the background of urban and rural is the research theme. At first, summarize the existing system in china’s banks facing challenges and opportunities. Then, in the depth analysis of innovation for organizational system, property system, operating system and risk control system from the evolution path, current status and innovative path respectively. Finally, taking Chongqing as an example, propose the path of bank system innovation under the background of urban and rural on the basis of analysis Chongqing banking system innovation practice and existing problems, and explains the system innovation of the effective implementation of the external environmental security, provide the basis for government policy-making departments.First, at present, China’s urban-rural imbalance in allocation of financial resources is more serious, in large part because of the banking system arrangements.Second, the analysis of banking system innovation mechanism under the ground of the urban-rural showed that the banking system is a solid foundation for innovative banking system, property rights system is the core part of the banking system innovation, management innovation system is an important part of the banking system, risk control system is a strong guarantee for the banking system of innovation.Third, by executives of state and the dual task of principal-agent model, in-depth analysis showed that countries in order to encourage bank executives to better serve urban and rural development, should allow the executives of the income and bank performance directly linked.Fourth, in the process of implementation of regulatory requirements, regulatory authorities and banks constitute the game on both sides. This paper, through the use of game theory analysis showed that the active implementation of regulatory requirements and encourage banks to better serve the urban and rural development services, on the one hand, regulatory authorities should increase penalties, on the other hand, to efforts to reduce costs and improve regulatory efficiency.The last, in-depth analysis of the opportunities and challenges of the banking industry under the ground of urban-rural development in Chongqing, this paper had do much study and research on the path selection in banking system innovation.