Research On The Development Model Of China's Village Banks: Based On The Financial Efficiency

In early 2010, the central government makes the goal of the rural financial development:"to eliminate the gaps of the basis financial services in the rural areas in 3 years". The existing rural financial institutions in China, whether formal or informal financial arrangement, there are more or less problems, affecting their own development. Therefore, "to eliminate gaps in basic financial services", new rural financial institutions should be set up, essentially eliminating the shortcomings of the existing financial institutions. This assay argues that the goal should be to the financial efficiency of the development of new financial organizations. Active under the guidance of the CBRC, March 1,2007 was set up with three village banks, village banks in China which opened up a new era. These village banks are characterized by: for the rural areas, serve farmers, funds would be used for "agriculture" in order to make up for banking institutions in rural areas lack of network coverage gap. This paper studies the efficiency of the general financial problems, come to affect the efficiency and the development of rural financial factors, and then from these factors, analyzes problems in the development of village banks, according to the analysis of relevant factors, given the development of policy recommendations village banks.