Feasibility Study On The Agricultural Cooperation Finance Institution Developing Into Community Bank

China's agricultural cooperation finance institution has had a fifty-plus years' development history, which becomes the main force in Chinese rural finance market.Our country has already explicitly proposed that it is necessary to establish community-based finance institution in place of credit cooperatives in the countryside. Looking from the present situation, our country doesn't have strict community banks in theory. However, agricultural cooperation finance institution and city commercial bank both have a lot of characters of community bank and the trend of becoming community bank.Lack of persuasive data is the main factor of restricting the research on community bank. Most of previous theories focus on community-bank theory, community bank's role in macroeconomic development and the study on the macro-control measures. But as to the research on the microcosmic issues about community bank and especially in the less-developed regions are much less. The author uses the methods of combining theoretical research with practical analysis, regional and ethnic economics with finance theory and qualitative analysis with quantitative analysis to draw on home and abroad developed regions' experience about community bank. According to the research on the close relation between the agricultural cooperation finance institution and medium-small economic subject, to the comparative analytical research on supporting the development of local economy and medium-small economic subject in the agricultural cooperation finance institution and other financial system's, this paper further reveals the community-base of agricultural cooperation finance institution and arrives at a conclusion that the agricultural cooperation finance institution in ethnic minority areas has some community bank's characters and has had some objective conditions to develop into community bank. These objective conditions should be used enough to ascertain its strategic orientation and market positioning and perfect the supporting measures to develop into community bank.