The Development Of Rural Banks Under Positioning Of "Agricultural Credit Small-Amout Load"

Rural Bank is the main push China Banking Regulatory Commission's new rural financial institutions, is to change the past, rural finance to stock-based and policy-oriented financial reforms, the implementation of incremental reforms, the introduction into the market-oriented commercial finance to rural innovations regional financial issues.Micro-county in rural areas as commercial banks, rural banks in the market positioning popular interest! On the one hand, the purpose of the development of village banks in rural areas in order to solve the small enterprises, individual industrial and commercial households, farmers hard problem loans, rural banks need for their development should be to locate on the " Agricultural credit Small-amount loan " (ie, in the rural areas, agriculture, farmers, micro-credit) on; the other hand, rural banks to "nature" as the business objectives, market positioning need to meet the requirements of the market economy, over-reliance on corporate social responsibility and administrative pressure to force the tiny village banks positioning enterprises and farmers," Agricultural credit Small-amount loan ", not only to target may not reach the original, can not achieve sustainable development institutions.Based on village banks and thus the development of Zhejiang Province, the practice of fully detailed investigation on the basis of village banks in the " Agricultural credit Small-amount loan " orientation on how to develop:In the second chapter of the theory of market positioning, analysis of the nature and system of village banks, and the system design on the market positioning of the guide, and qualitative analysis of the village bank was " Agricultural credit Small-amount loan " market position.The third chapter, Zhejiang Province, village banks based on the development of the situation, the use of management science in the SWOT analysis to analyze the Zhejiang village bank development " Agricultural credit Small-amount loan " strengths, weaknesses, opportunities and threats that the Bank should play a village of Zhejiang its internal strengths with external opportunities for large areas around the county centers and small businesses, commercial farmers services.Chapter IV of the article analyzes the current market position in Zhejiang Province and the village banks inside and outside the two cases. CAP model based on the actual use of bank credit, Zhejiang village market positioning data analysis, found that the current bank's market position, Zhejiang Province, the main town in the 5-50 million small business loans, the main business districts and large urban areas in the county The town, location of customers and regional more reasonable, but the main financial services product is single.Changxing, Zhejiang Province, the joint Rural Bank is the first bank opened in town, opened two years since the bank launched under the influence of the primary, according to Agriculture and small business services, the direction, establish with our customers "grow" business philosophy, established a Agriculture loans small set of management system, is the national development excellence, and competitive strength, and the largest village bank.Bridge is located in Taizhou of "Tyrone" Bank of China is "micro-banks" grew up a typical representative of a village bank should draw a model of learning. "Tyrone," the biggest factor of success is with the big banks differentiated market position, focusing on small business credit, and created a set of their own small business credit culture, based on China's existing institutional and policy environment, its rural banks market positioning and development of a great reference.Chapter V of the article describes the Zhejiang Rural bank " Agricultural credit Small-amount loan " under the development path. On the one hand, rural banks to improve their own "concept, mechanism, technology", the development of small loans, on the other hand, regulatory authorities and the government needs to guide the use of preferential policies for agricultural village banking market orientation bias is smaller. In addition, rural banks, if required to achieve " Agricultural credit Small-amount loan " market position, a real "grass bank", regulatory authorities should emancipate our minds, open village banks to private capital market access, development and those initiated by the natural person as the main person village banks.