Development If Rural Banks From Symbiosis View

Completing the building of a moderately prosperous society in all respects by2020is a magnificent target presented by the18th CPC National Congress. As important components of this target, city and countryside integration, strengthening energy of rural development and city and rural common prosperity are arduous task we are facing. Farmer’s rich and rural stability and agricultural development can’t do without financial supporting and promotion. Rural finance market is the most important capital elements configuration market and its development always gets the attention of government. But for a long time, due to agricultural high risk and dispensability and volatility and high threshold for rural finance market, existing rural finance institution can’t meet various financial needs of rural areas and lagged far behind agricultural development, supply-demand imbalance increasingly appeared. In order to propel the rural financial reform and innovation, solve the big financing gap and serve farmers and rural small enterprises better, CBRC issued some policies and regulations to encourage rural bank develop at the second half of2006. Since february2007, the first rural bank-Yi long huimin rural bank was founded in Si Chuan province, there are1502rural banks in China untill february2013.It has been found that as a new rural financial institution and important achievement of rural finacial innovation, rural bank is a kind of effective measure to offer loans to poor, farmers and small enterprises and alleviate loans pressure and strengthen financial support to new rural construction. But as a new thing, due to the establishment of a relatively short time, its lack of development and supporting system, it also faces a lot of problems. We think that only to built up a kind of symbiotic idea between rural banks and farmers, rural small enterprises, we can actualize rural banks sustainable development and play its role to support new rural construction.This paper bring symbiosis into rural bank studying and analyses rural bank’s development from a new view and use symbiosis method to solve development problems of rural banks. This paper is of great theoretical and practical significance to national and level organization manager and decision makers, famers and small enterprises that there should be a symbiosis idea in their mind. This idea may let financial institution improve its service and innovation, let farmers and small enterprises understand finance and use finance to realize inclusive finance.At the same time, we can play "catfish effect" to increase competition among finanacial institution and deepen rural financial innovation and prosperity of agricultural economy.During the research process, the paper uses other research findings about this project as reference, such as economics, institutional economics, information economics. Under the guidance of symbiosis theory, this paper takes advantage of a research method of combining development analysis and comparative analysis, qualitative analysis and quantitative analysis, theoretical analysis and positive analysis. It is intended to build a frame about rural bank symbiosis analyse and hope to offer referance to rural bank. Based on a review of the research work on rural bank, the paper is presented the background, purpose and significance for this paper, and put forward the method for studying rural bank from symbiosis.It begins from chinese rural finance market physical truth.After introducing the theory of symbiosis and rural bank general situation, the paper put forward that core mechanics to rural bank healthy development is symbiosis mechanics. Discussing the relationship between rural bank and farmer, rural bank and small enterprises, rural bank and other financial institutions from symbiosis view, the paper demonstrates the symbiosis mechanism during rural bank development. Based on analyzing farmers and small enterprises and other financial institutions situation, the paper build up a frame about symbiosis analyzing and discuss rural bank and farmers, small enterprises and other finance institutions symbiosis situation and then finds main factors that restrict rural bank develop by using symbiosis. The paper makes use of these factors to structure system of indexes for evaluating rural bank development. Using data from20rural banks we have surveyed, we adopt factor analysis to take empirical study of rural bank development. The paper put forward proposals from symbiosis view including rural bank itself, symbiosis object, symbiosis model and symbiosis environment combing results of the analysis.The results show that there is symbiosis relationship between rural banks and farmers and small enterprises. In deveoped rural area, unsymmetrical mutual beneficial symbiosis is obvious. In underdeveloped rural area, commensalism exist extensively. There is also symbiosis relationship between rural bank and other financial institutions and its form is competition and cooperation. In the symbiosis relationship, there are four main factors that restrict rural bank including rural bank itself shortage, symbiosis object mismatching, and symbiosis model imperfection, and symbiosis environment unsatisfactory. The paper draws the conclusion that we need to accelerate the construction of rural bank’s own, improve symbiosis object matching rate, perfact symbiosis model and optimize the symbiosis environment to guarantee rural bank’s healthy development. The first innovation of the paper is that this paper brings symbiosis into rural bank studying and analyses rural bank’s development from a new view. The second one is that this paper comes up with four main factors which restrict rural bank’s development. The third one is that this paper structures system of indexes for evaluating rural bank development from rural bank itself, symbiosis object and symbiosis environment. The fourth is that this paper put forward proposals for rural bank’s development from symbiosis view.