Village Banks Access System Research

The rural finance of our country is not developed, and it restricts the further development of the rural economic. The problems of rural finance mainly are the finance structure is unbalanced, the financial system is imperfect, the supervision is cracked, and so on. The key to develop the rural finance is the innovation of the rural finance organization. the rural bank is a breach to solve this question. In order to develop the rural bank, needs to have a consummation system, and the most important link is the access system's construction.This article focus on the present situation of rural finance and the experiments of rural bank, by the law sociology method and the comparison research technique, through to the data analysis, to the present policies, system inspection and the comparison with some other countries, has conducted a systemic research to the access system of rural bank. There are some problems in the development of rural bank: such as the function dissimilation, becomes the way which the tradition financial organ taking the opportunity to expand; the setting rural bank almost location in the wealthy area, the function to support agriculture and to relief the poverty is not obvious; The industrial capital and the private capital still have difficulty to enter the rural finance market. These questions primary cause to lie in: The government function is not explicit, Carries on too much intervenes to the rural bank; it is still in favor of conservative to the private capital , the"access threshold"is still too high, the rights of stockholder is not very reasonable; Moreover, the supervision also has many cracks. In order to solve this problem, the most basic and the most thorough method is to establish a more reasonable and perfect access system: Authorize the industrial capital and the private capital more rights to independence when initiates set up the rural bank, relaxation holding proportion limit; stipulated that reasonable, explicit registered capital quota, reduces the intervention of administrative organ; make sure the scope of rural bank mechanics to guaranteed that serves is used for agriculture; formulates a effective supervisory system; consummate the related necessary system of rural bank access.When I investigate the access system of rural bank, not only limit the vision merely in the rural banking system itself, but also have considered the whole rural finance of our country, specially has carried on the comprehensive inspection to the supplies and the demand condition, places the construction of the rural banking system under the rural finance and even the entire rural economy as a background. Through the research, the article puts forward some reasonable proposal to the construction of the rural banking access system, thus provides the safeguard for the further development of rural bank, infuses the new vigor for the rural finance, enhances the financial service level in the countryside area, promotes the development of the whole rural economy.