A Study On The Legal System Of Banks In China 's Private Capital Investment

The rural financial system has always been a weak link in the financial system of our country.As the new rural construction,the development of agriculture and township enterprises require a lot of financial support.According to statistics,the new rural construction fund require 15 trillion to 20 trillion in the next five years.Financial resources and traditional rural financial institutions are not enough.And a large of state-owned leave the rural market,the operating efficiency of the exiting rural financial institution is low.Further exacerbating the financial supply and demand contradiction in rural areas.In march 2007, village bank is established in six provinces.The access policy of village bank is gradually relaxed.The government encourages the private capital invest the village bank.After eight years,more than one thousand village banks have been established.A lot of private capital have invested in village bank.The village banks relieve the supply and demand contradiction.But some problems are still exist,such as uneven geographical distribution,low equity ratio of private capital,decrease in the number of main initiated banks and small business.The problems of the market access system,the operating system,the regulatory regime and some related system impede the investment of private capital.This paper try to the improvement methods rely on empirical analysis and normative analysis,such as reform the main initiated bank system,adjust the ownership structure and corporate governance structure,build a comprehensive regulatory system,etc.