Study On Restrict Element Analysis Of Rural Banks And Countermeasures In China

Since the establishment of our country rural financial system，rural financialdevelopment lags behind has been hampered by our country agriculture and ruraleconomic development an important barrier，it is to settle our country "3farming "the problem is heavy. According to this one grim reality，China Banking RegulatoryCommission on December20，2006issued" on the adjustment of relaxation ofbanking financial institutions in rural areas access policy to better support for thenew socialist countryside construction several opinions" to encourage and supportthe private capital and the industrial capital to the level of economic development isrelatively backward in the vast rural areas，the establishment of rural banks. And theCBRC will Sichuan，Jilin and other6provinces (area) as the first batch of pilotprovinces，one after another in the6provinces (area) were set up in1rural banks;the following January" village banks， loan companies and cooperation fundmanagement Interim Provisions" formally introduced， further encouraging thedevelopment of new rural financial institutions. Thus，a large number of village andtown banks started in our country started to build.By the end of2011，China set up the new type of rural financial institutions786，among them726county banks，loan companies10，50rural fund cooperativeshome. The establishment of village banks is conducive to the absorption channelsfunds into rural， mitigate the major state-owned commercial banks and postalsavings bank blood behavior，raise our country rural area financial institutionscoverage，increase farmer，agriculture and rural economics to obtain loans，alleviatedon certain level the vast rural areas，financial markets，the contradiction of supplyand demand beneficial changes in rural financial market monopoly pattern，so as topromote the rural economic development in our country.This paper on China’s rural financial system to do a simple description，andillustrates the practical meaning of village bank development. The next village bankin our country at present development condition has made the brief overview,focusing on analysis of the rural bank in the existing problems in the developmentprocess as well as internal and external constraints. Finally，in view of our countryrural banks in the development process present constraints， given itscountermeasures and suggestions.