Study On The Legal Regulation Of Rural Banks

As a new banking financial institutions, rural bank is the result of financial innovation in rural areas, and it is the development of micro-credit too. It is at the basis of traditional micro-credit and absorbs the characteristics of commercial banks,positioning in the Chinese community banks.With the development of agriculture and rural financial markets , rural bank accesses to rural financial markets will promote the deepening of rural financial reform.It can be anticipated that at the encouragement of national policy, rural bank will be rapidly developed, it is worth looking forward to the prospect.However, we have to pay attention to the problem that since the pilot the supervision of rural bank has rised .If we ignore these problems, with the deepening of financia reform and the development of rural banks,these questions will become the great obstacles.Therefore, how to effectively monitor the implementation of rural bank becomes a problem which is worthy of studying.Based on systematic introduction of the rural bank,this paper compares rural bank with the general commercial banks and the Grameen Bank , analyses the speciality of rural bank,and learns the experience from the supervision of commercial banks and the micro-credit institutions.therefore,this paper provides the suggestion that how to establish and perfect the banking supervision of rural bank,from the aspect of estabblishment of regulatory system, regulatory objectives, regulatory models, regulatory principles, regulatory authorities, such as selection and monitoring aspects of the contents of the establishment and improvement of banking supervision in rural bank.