The Feasibility Study Of Conducting Rural Bank By State-owned Commercial Banks

Rapid development of Chinese economy greatly stimulated the development of the rural areas. Comes the status of rural financial market is becoming more and more important to financial institutions. At the same time, the lack of financial services has been restricting the rural economy bottleneck factors; the development of rural financial is imminent.China Banking Regulatory Commission encouraging all kinds of capital into the rural financial market, set up mainly for farmers and township enterprises service of village bank and rural financial organizations. Our country is in draw lessons from Yunus to create the " Bangladesh Grameen" rural bank experience, combined with their own conditions and founded the village bank is "3farming " of the bank, which has broken the silence of the rural financial market, to be invigorated the rural area economic activities. Village banks and all other commercial banks to safety, liquidity, profitability as the basic operating principles, manage independently, assume the risks, self-financing. Bank villages and towns build, conduce to solve "3farming" the problem of financing, to a certain extent form rural banks and rural credit cooperatives competing situation, aggravate the competition of rural financial market, make broad farmer become the direct beneficiaries.The rural financial market liberalization to state-owned commercial banks is a great development opportunity, state-owned commercial banks should how to rely on oneself advantage into the rural financial market and adjust their business structure so as to continuously enhance the commercial value and social value is a worthy of careful study of important issues.A village bank development present situation carries on the analysis, the village bank is the development of obvious advantages, but the overall development is still relatively slow, Chinese small and medium-sized commercial banks, the state policy banks and foreign banks to participate in actively, large state-owned commercial banks cautious characteristics. Secondly, in the village bank development present situation in the foundation, to large state-owned commercial bank village banks external environment, operating mode and advantage challenge etc the paper. Construction of the village bank objectively can resolve the inadequate supply of rural finance, market system is not perfect and financial monopoly problem; is in subjective on state-owned commercial banks can take the opportunity to enhance their corporate image, to fulfill the social responsibility of the enterprise, more important is that the state-owned commercial banks to adjust development strategy to enhance the capacity of sustainable development an important strategy selection of. Through qualitative and quantitative analysis, focused on Zibo rural financial development and state-owned commercial bank developing towns and villages economic benefits, drawn from the data we can see the state-owned commercial banks in the Zibo open bank villages and towns has a good economic benefit and social benefit. Finally this paper puts forward the state-owned commercial bank developing village bank related suggestions.The main innovation is in the current opening the financial market in the countryside in the background, based on the state-owned commercial bank, the Bank towns and villages to enter the market and moving mechanism undertook pioneering research, analysis of the state-owned commercial banks in offering banking problems encountered in the process, for state-owned commercial bank developing towns and villages to provide reference. The village banks as a new type of rural financial institutions is the main body of state-owned commercial banks in the future important profit point of growth and achieve business transformation is strong rely on. Therefore, the state-owned commercial banks should produce an advantage, seize opportunity, from the clear market positioning, strengthen brand promotion proceed with, at the same time without relaxation of risk management and staff team building, steadily enhance the economic and social value.