Study On Problems And Countermeasures Of The Operation In Rural Banks Of China

Village banks as a new banking institutions can not only solve the difficult problem of loans to farmers, but also to meet the credit needs of rural enterprises to ease the development of township enterprises face difficulties in financing the bottleneck for the new rural construction to provide financial support, it construction to solve the "three rural" issue has very important practical significance. China's rural banks developed rapidly in recent years, from 2007 to 2009, just two years, the country has established 97 rural banks, and because of government policy support, it will more rapidly in the future. However, the existing rural banks in the country, its operating results showed a large difference. Rural banks how to take operating mode in the future to let their sustainable management. Based on the above questions, the author has created a motive to system research on rural banks.In this paper, using literature studies, comparative analysis, theoretical analysis and empirical analysis, quantitative analysis and qualitative analysis research methods and this paper were selected domestic eastern, central, northwest, southwest representative of four regions case of rural banks to support the theory, both focus on case studies, but also take into account the theoretical results of this study. Domestic experts and scholars due to the current research on rural bank finance or more from the perspective of economics, while ignoring the identity of another market village banks-stock company, which runs text test management from the company point of view, by studying status of rural banks and problems, to explore to minimize the risk of rural banks operating mode. Practice, the hope that through researching on this mode of operation of rural banks in this paper, could widen the perspective of management, operation and management for the village banks can provide practical reference.This article is divided into seven parts:PartⅠ:Introduces the research background, significance and methods, with the collation of literature research on research status by the summary of the results are analyzed, point to understand the main features of this writing;PartⅡ:First, the concept of village banks and basic characteristics were defined, and then through the rural banks and state-owned banks, rural credit cooperatives and rural comparative analysis of other financial institutions, pointed out the characteristics of the operation of village banks;PartⅢ:The summary of the United States, France and Bangladesh overview of the development of rural financial institutions, summarize the successful experience of Grameen Bank abroad, and from that get the inspiration to the construction of rural banks in China;PartⅣ:This part of the village bank through the development of the domestic status quo analysis, pointing out the problems of village banks;PartⅤ:Empirical analysis. This paper is divided into the nature of the establishment of village banks in foreign ownership and investment holding two lines for data collection, but also with the domestic level of economic development in different regions, respectively, in four provinces (municipalities) to select representative case studies of village banks. With the author's field survey and data collection, more systematic analysis of the different nature of the domestic, regional rural banks in different development status, operating characteristics, operating results and problems;PartⅥ:Through the theoretical and empirical analysis of the previous two parts of the investigation and on how to choose effective promoter of rural banks operating mode, the corresponding policy recommendations put forward.