Research On Management And Development Of Townbank In Northwest Of China

The villages and small towns bank's establishment has supported the local economy effectively, alleviated the present situation which western countryside area tightness of money, also has satisfied day by day the diverse call for fund. But the present Northwestern Region villages and small towns bank the present situation question which faces in the management developing process is actually the financial service method is unitary, lacks the scale effect, attracts the Chu difficulty to be high, the social male letter strength is not strong, the financial total quantity occupies compared to too small, the participation trade or craft competition is difficult, the country was not still explicit in view of the villages and small towns bank preferential policy, the market localization has the deviation supporting agriculture objective and so on realistic question. Under this situation the present paper through the understanding Northwestern Region villages and small towns bank basic present situation, analyzes the bank's development environment, the market localization, the management structure, the business model, pointed out emphatically in the Northwestern Region villages and small towns bank operation development exists the question and the reason, then put forward the policy proposal.The full text is divided six parts. The first chapter is the introductory remarks part, emphatically has carried on the detailed elaboration to the article structure and the mentality. The second chapter elaborated the villages and small towns bank tenable necessity and the significance. Pointed out that the villages and small towns bank set up the standard rural finance market, the alleviation financial organ"has drawn blood"the question to the countryside fund, increased the benign competition. The third chapter is mainly the Northwestern Region villages and small towns bank development environment analysis and the market localization analysis. To the Northwestern Region villages and small towns bank condition of business like nature and the economic environment, the cultural environment, the credit environment, the financial payment environment as well as the exterior policy environment carry on the analysis, from the main competition, the customer, the product and so on three angles has carried on the market locates. The fourth chapter is the Northwestern Region villages and small towns bank management structure analysis, to the Northwestern Region villages and small towns bank property right structure present situation, the manpower structure carries on the analysis, and had pointed out in the Northwestern Region villages and small towns bank legal person management structure exists question. The fifth chapter is the villages and small towns bank business model analysis, especially has carried on the key elaboration to the loan pattern. The sixth chapter elaborated from the policy stratification plane the improvement optimization credit environment, increases the housing financial support dynamics, to strengthen the rural finance supervision the importance, proposed promotes the villages and small towns bank healthy development policy suggestion.This article thought that the Northwestern Region villages and small towns bank the management development receives the external environment at the same time the restriction, on the other hand receives own management structure and the account executive influence. In order to guarantee the villages and small towns bank health steady progression, must the overall evaluation external environment, the market localization, the management structure, the business model various aspects factor. Not only need seek the policy support positively, moreover needs actual to embark from oneself, the formulation suits own development the management structure and the business model, the exterior policy support and the own mechanism's unceasing innovation is the villages and small towns bank development way that must be taken.