A Study On The Legal System Of Bank Supervision In China 's Villages And Towns

As a large agricultural country, flourishing agriculture implies the prosperity and development of the country.Agriculture more prosperous, more powerful countries. Therefore, Our country attaches great importance to farmers, rural and agricultural economy. However, Because of the lack of resources in rural areas,the gap between rural and urban areas is growing, large companies are reluctant to conduct business in the rural areas, the bank has gradually withdrawn from the rural areas, Farmers’ operating costs are relatively low, not stimulate demand for the major banks lending.After a long time,It will be even more weakened rural economic development. At this time, an emerging financial institutions came into being, it is the Rural bank.In order to alleviate the economic pressure on rural areas, farmers and small and medium enterprises seek to meet the needs of development and prosperity, the state set up special services in the rural areas, banks --Rural Bank. The rise of it relieves the capital requirements of farmers and rural enterprises, to a certain extent, solved the trouble back at home of rural economic development and laid a solid foundation for rural economic development, which has a stable role of China’s national economy.But Rural Banks in the process of development also has exposed some problems, such as break away from the original purpose, market access is strict, and so on, which requires a more perfect supervision system to monitor it, this paper is based on it.This paper is divided into six parts, including renewal theory and epilogue. The introduction overview the research value from the overall rural banking supervision,and introduce the research methods in this paper. The first part is the summary of village banking supervision legal system, the rural banks are given a clear outline.The Rural Banks belong to special commercial Banks, and it is located in rural community Banks.And this part discusses the difference between it and other rural banking financial institutions.Through this analyze extension of the meaning of its regulatory, etc. The second part is to introduce the regulation system of Rural Banks abroad and the enlightenment to our country, by comparing analysis, The United states,Bangladesh and Australia similar bank supervision pattern, and to draw lessons from is helpful to improve the method of regulation system in China. The third part is to analyze the present situation of our rural banking supervision, from the perspective of legislation, the main body and operation condition is analyzed, and to find out the defect of regulation. The fourth part is aimed at improving the problem of regulatory, and finding out the solution that existed problems in the regulatory status, that is, from promoting the legislations hierarchy, clearing the regulatory body, firming the regulatory objectives and detailing the regulatory contect. The end to do a summary of all issues, elaborated by looking in the development of rural banks. This topic stick to the rural banking supervision system, through a variety of research methods. This paper discuss the present situation of the village banking supervision and how to improve the defects, so as to contribute to our country rural financial development.