Difficulty Concerning Agriculture, Countryside And Farmers To Gain Loan And The Construction Of "Village Banks"

Currently , the innovation of rural banking have enter a fire-new stage.How to offer financial services to promote the development concerningagriculture, countryside and farmers becomes the central part of all ruralbanking problems. However, the existing rural finance organization is more andmore unable to satisfy the diverse financing demand of agriculture, countrysideand farmers. The reason is various. The main reason lies in: the inspectionbranch controls the rural finance market excessively, and the access to the ruralfinance market is excessively strict, then the new financial organ is unable toenter the rural area, which lead to the high monopoly in the rural finance market,so financial services seriously lag in the need to develop. Therefore, this articletakes the characteristic of agricultural industry of Marx economic and the capitalimpetus theory as its instruction, profits from the reasonable factor of the ruralfinance development theory of the Western economic. Depending on thescientific researching technique and basing on the strict definition of villagebanks, we analysis the present situations and reasons of agriculture, countrysideand farmers difficultly gaining loan, expound the necessity and the feasibility ofestablishing village banks to offer services for the local peasants and the smalland medium-sized countryside enterprises. Then we propose the basic principlewhich constructing village banks should follow with. In this foundation, weelaborate the concrete mentality of establishing and developing village banks,and propose the correlation countermeasure and suggestion concerning how tocreate good external environment for the development of village banks.