Village Banks To Set Up And Management Studies

Economic decides finance,there is a historic opportunities for commercial banks to enter the "three rural" areas based on rural economic development.County and rural areas economically and politically weak position to gradually get rid of the next 10 years will be the main development trends of China's economy is one of the county economy in the national GDP accounted for more than 50%. However, urban-rural dual financial resources, financial resources, the regional allocation imbalances, inadequate rural financial market competition and so on.The situation is still urgent need to change. According to this trend as early as possible to adjust business strategy. Benefit from the national "three rural" policy, commercial banks to enter the main obstacle to the county market is declining gradually increase the input-output efficiency, and rare opportunities. Especially for small and medium sized banks in the current capital market has become more sophisticated, business disintermediation prominent urban financial competition has become increasingly fierce, fast-growing more and more difficult; and vast rural financial market and great potential for these small and medium sized banks to provide a secondary high-speed space for development. With the city full of competition in financial markets, financial institutions subject to capital constraints, and gradually extend inward from the extension-extension-type expansion in the transformation of the vast market opportunities in rural areas is conducive to commercial banks to make full use of capital and improve return on capital.China Banking Regulatory Commission promulgated the "relaxing on the adjustment of financial institutions in the banking industry in rural areas, access policy to better support the building of new socialist countryside Some observations" and the "village bank management" Provisional Regulations for commercial banks full access to rural financial sounded the horn. These multi-national banks to carry sophisticated risk management capability, innovation and the accumulation of a strong financial capacity to start a new round of rural financial markets "enclosure" movement. In this paper, work practice, and village banks in the process of preparation, study village banks in the development of a number of issues.Through research that the commercial banks through the banks to open up the rural market towns and villages the right time, commercial banks should be completed before planning the layout of compliance and fully integrate their own resources, and do everything the wave of financial reforms in rural areas. Commercial banks through the establishment of village banks and business operation mode, find out the exact location of rural financial market, innovative business models, focus on the efficiency of operational procedures and risk controls,to create an advanced human resources, accounting and IT systems will ensure that village banks operational success. At the same time as a new type of village banks in rural financial institutions, in the early stage of development there are still many problems and difficulties associated with launching banks should in science and technology,human resources,product innovation and management of output and liquidity risk management, and to give full support.