Status Quo And Development Strategies Of China’s Rural Banks

The development of the rural economy to stimulate the rise of rural finance, andin the process, to the interpretation by the market-oriented, diversified subjectivationand commercialization of the dominant path. Start from the end of the last century, theworld’s major economies as well as the Chinese are studying how this weapon as afinancial services support agriculture, farmers, rural means.“Dual economicstructure” as a typical pattern of China’s economic structure, the related field ofagriculture in the national economy as well as in the backward areas of the Midwesteconomy dominated by agriculture widespread confronted with the bottleneck of thedevelopment; such as the rural financial market because there The lack of obviouseffect on the market positioning of normal phenomenon, most market-orientedfinancial institutions for this reason and not the "three rural" as the object of financialservices.Based on the actual situation of our country in a certain sense, we believe that thedevelopment of the rural economy must be supporting rural financial measures toharmonize the rise of rural banks has brought new vitality to the weak rural financialsystem of China’s financial system, and at the same time as the perfect importantinitiative, rural banks and innovative financial services in rural financial markets canbe extended, and new ways to solve the challenges of economic development in ruralareas. The China Banking Regulatory Commission, the gradual implementation ofrural finance development of strategic initiatives, the establishment of the standard offinancial institutions to make timely adjustments to adapt to the development of therural economy, and to develop and standardize the financial policies of the majority ofrural areas, the vast rural areas to enjoy the financial policy reform greater patronage.These policies-bank financial institutions to smooth entry into the rural areas, there isa huge role in promoting the development of rural economy, banking financialservices for rural areas, the system exhibits a wide range of investment entities, a widevariety of investment projects, the three-dimensional coverage areas, flexible and effective model of governance, the characteristics of effective high quality service.Rural banks on the issue to solve rural economic development funds as well as tocarry out a wide range of financial services, is based on the overall development ofthe country’s economic situation and the objective reality of the rural and theformation of a new form of rural financial adapt to the national policy of reform andopening up in China, and the liberalization of the financial policy commonrequirements.Rural banks rural financial development of innovative initiatives, by virtue of thebanks have to carry a balance business advantage, to provide the necessary funds forthe development of the rural economy, and actively guide the rural productioncombined with the market demand, so that the rural financial market morecompetitive sexual contradictions to solve the funding problems of the rural economy,which provides a channel of sound lasting, so to say, rural banks on deepening thereform of rural finance plays an important role. In this paper, in-depth study on thedevelopment status of the rural banks as well as the problems with the currentmacroeconomic situation of financial policies and foreign success stories of ruralbanks combined, so as to explore more suitable for the development of China’s ruralbanks mode, solve the current rural the problems of financial development, ruralbanks in the sound operation and coordinated development of rural financedevelopment process.This paper is divided into five parts. The first part introduces the researchbackground and significance of the ideas and methods of this research, the innovationof this paper and the domestic and international literature review; second part of ruralbanks to set up the background from the start to define the connotation of China’srural banks and basic characteristics, and analysis of the significance of village banksestablished; third section briefly describes the status quo of China’s rural banks, andsome of the problems encountered by the current development of village banks, suchas market positioning deviation of funds is the bottleneck in the development ofbusiness lack of innovation, payment and settlement is unknown and so on; fourthpart of a brief community banks in the United States, the Grameen Bank, the successful experience of the Ugandan village banks; promote the sustained andhealthy development of rural banks on the basis described in Part V of the previouscomments and suggestions.