Analysis On The Differences Of Rural Banks Launched By Different Kinds Of Main Shareholders

The difficulty of financing has been a bottleneck constraint of the rural economy vigorously forward, the state-owned banks and other traditional financial institutions can not provide good financial services for the county rural economy. As an innovation of rural financial organization, rural banks can fill the blank of rural financial services, and activate the vitality of rural financial institutions. A standard system of property rights and corporate governance model declines to drive village bank management goals to serve the interests of shareholders. Therefore, the different types of shareholders, especially the variety of the main sponsor, will exert different effects on the establishment of rural banks. Understanding these differences will be helpful to regulate the establishment of village banks and to better serve the new rural construction.Based on the theory discussion, a database of village banks which were approved by China Banking Regulatory Commission before December2011by collecting public information; and discretional statistics analysis was used based on these data, including the scale, the structure and the trends; after grouping these data by different kinds of main shareholders, comparison analysis within and between groups were used, and working on factors that affect the independent variables by correlation analysis.From the angle of different types of village banks, rural banks established by the state policy-related bank have gradually shifted from the underdeveloped areas to developed areas, owned the highest average registered capital with a rising trend; their largest shareholders prefer absolute control and their partners are mainly business entity. The number of rural banks those established by foreign capital banks is almost the same each year, but they stay in the central region; although registered capitals is keeping upward, the average level is still very low; mostly in the form of wholly-owned limited liability company. Village banks launched by state-owned commercial banks averaged the most, the number and registered capital are stable; all the largest shareholders gain the absolute control and the partners mainly targeted at business entity. Shareholding commercial banks launching village banks ranked the second; stabilize the establishment of village banks number and registered capital; initiated areas concentrated in the eastern part; regional distribution in addition to spreading from west to east, also began to spread out from the base camp characteristics; and corporate legal initiated by the corporation’s absolute control. City commercial banks launched the largest totals of village banks; most of them set up village banks in the same region; average registered capital is not high. Rural commercial banks prefer inter-provincial establishment and high level of registered capital. Rural cooperative banks cline to intercity; with higher but irregular average level of registered capital; the ratio of capital invested by the main shareholder is low. The number of village banks launched by rural credit cooperatives has not changed very much; mostly to set up rural banks in the same area and with a low level of average registered capital.From the angle of region, local shareholding banks in Inner Mongolia autonomous region, Liaoning province, Jiangsu Province, Zhejiang Province, have set up the most rural banks and the numbers of village banks in those regions are within the top largest. However, village banks in Qinghai province, Xinjiang Autonomous Region, Gansu province, Yunnan province and Guizhou province and other underdeveloped areas remain in short relatively. In addition, rural commercial banks in Guangdong Province and Jiangsu Province, rural cooperative banks in Zhejiang province and Anhui province, rural credit cooperatives in Liaoning province are active to launch rural banks.Chapter arrangements of this essay is as follows:in the first chapter of introduction part, background of rural banks establishment, policy development and besides the significance, research method and conclusions; in the second part of literature summary, after learning about relative literatures, discuss of village Bank geographical distribution, cross-area business, registered capital and organizational forms were established; the third part is a description of database; the fourth part to seventh part include the specific analysis; after a summery in the eighth part comes to the suggestions of village banks’group management in the ninth parts...