The Issues Of The Rural Bank On The Co-ordinating Urban And Rural Bankground And The Countermeasures

This article is based on there were successively 7 times that the central government focused on the "SanNong" problems in the number one document,and on the backgroud of constructing new socialist countryside,balancing the urban and rural development, as also as building the harmonious society as the government's most important work.Aim at resulting of the rural financial problems and solveing the problem of "SanNong ",we studied the new financial institutions ---the Rural Banks.We first to analysis our Rural Bank's opportunities,threats,strengths and weakness which faced. Then we use the Chongqing Dazu HSBC Rural Bank as the example to analysis the problems which our rural banks facing.Fist,the rural banks have no clearly location,they were all heavy the enterprise and light the farmers;second, the rural banks's business was singly; third, the rural banks have difficult to absorb savings; fourth, risk control of the rural banks need to be strengthened; fifth, the rural banks have a system design defects. Based on the problems our rural banks faced and we analysis the deep reases.Through anlehung the GB,the BRI and American Conmmunite Bank's development modle experinces.we reseached our rural bank's development model.Based on balancing the urben and city,we should relax the restrictions of established rural bank,allow the small loan companies switch to the rural banks directly,as also as the individually-run enterprises for breaking the qualifications for the promoters to the rural banks.Promote China's rural finacial reform and finacial deepning reform.Speed up the urban and rural development and implementation of urban and rural economic integration. For the development of our rural bank made a market niche, our financial market in rural towns and villages of the risk control model and design, To the village of the bank of theories.At last,aim at resulting the problems,we need to made a differentiation principles to promote the financial innovation;Accelerate the rate of the reform process of commercialization and built the agricultural insurance system;we also need to strengthen supervision, perfection relevant laws and regulations of the rural banks,and a series of policy measures to promote our village of the bank to achieve sustainable development and strengthen support for "SanNong" and reach the expected target of balaceing urban and rural economic development.