Rural Bank's Sustainable Development Strategy Research

Since the reform and opening up, the rural financial reform has made great achievement, but it is still the weakest poini in the whole rural financial systern.The slow growth of Peasant income, the shortage of financial supply and financial institutions are the problems in the rural areas.The major financial institutions, like alarge absorber, absorb the finaneial resources from the rural areas to the urban areas which devoted more Profit than the rural areas.This"siphon phenomenon is very serious,-leading to the lack of finaneial resources in rural areas.To ease the contradietion between supply and demand of rural finance and strengthen rural financial services for rural financial development, on Deeember 20th,2006, China Banking Regulatory Commission released the"opinions of adjusting to relax the banking financial institutions in rural areas and better accessing policy to support social neo—rural construction", hereinafter referred to as"opinons",with the feature so flow threshold and strict supervision, for the purpose of opening up the rural financial markets.The new"rural banks","loan companies", and"rural financial credit unions", have right to be founded. As a new form of rural finaneial institutions, rural banks open china's rural market, which can be described as a bold attempt, but because rural bank is a new thing, how to survive and sustained develop for rural banks is a very key issue.In this paper,the towns and villages in the bank's development strategy is discussed and analyzed.Using business management knowledge and SWOT analysis,the development of the rural banks is analyzed. the developmental strategy of rural banks is also discussed in this paper. The paper first through drawing on the experience of the GB,and American Conrmmunite Bank's development modle, we reseached our rural bank's sustainable development model. Secondly, analy the three fact (the macro environment, industrial structure,financial index) which influence the sustainable development of rural bank. Then base on the SWOT analysis,we use the SuiNingRongXingRuralBank as the example to analy the Problems which the rural banks are faceing. Finally, according to the the existing problems in the SuiNingRongXing Rural Bank, we need to made some principles to promote the financial innovation:Accelerate the rate of the reform process of eommercialization and built the agricultural insurance system:we also need to strengthen supervision, perfect relevant laws and regulations of the ruralbanks, and a series of policy measures to promote our village of the bank to aehieve sustainable development and strengthen support for" SanNong, and reach the expected target of balaceing urban and rural economic development.This paper research the development of rural banks,the author hopes that this paper can contribute to the management and healthy sustainable development of rural banks as well as the building of a better countryside. Of course, due to the limited knowledge of the author, there are some inevitable errors and omissions existing in this paper.Loyal thanks are given to the teachers who give me some valuable suggestions an opinions.