The Study Of Risk And Regulatory Legal System Of Total Branch Village Bank

In recent years, China attached great importance to the development of the rural economy, rural financial institution system continuous improvement, rural financial services also improved further. To cover rural commercial financial body of vacancies, created competitive financial environment, increased rural financial markets of effective funds supply, to solution rural financial service competition full sexual insufficient of problem, thus better to improve on "three agricultural" of financial service, silver prison will Yu December2006publishing has on adjustment relax rural area banking financial body access policy better support Socialist new rural construction of several views under (following short several views under), throughout gradually established has a County (City) Level a single legal person rural Bank (here in after referred to as "single village bank"), but on the whole, more slow to develop, and the expected objectives of CBRC is a large discrepancy. For promote village Bank of development speed accelerated, silver prison will Yu October2010also specialized issued on accelerated development new rural financial body about matters of notification under (following short accelerated development notification under), allows in Western non-capital city established to city level total branch system village Bank (following short "total system village bank"), and in Sichuan, and Hunan, provinces has for first batch10home to city level total system village line pilot. Because village Bank is new, total system village line more is new of also new of things, and traditional banking financial body, and single village bank compared to, has itself of particularity, in its development and the regulatory process in the exists many risk and problem, how through effective of regulatory to prevention resolve risk and solution exists of problem, promote village Bank accelerated development, and specification development, is a important of topics. This first analysis has total system village line as a new rural financial body of particularity, from market positioning, and business object, and registered capital, and corporate governance structure four a area and domestic general commercial banks for has comparison, from registered capital, and corporate governance, and equity set, and service geographical, and service object five area and County (City) level single corporate village Bank for has comparison, from body background, and organization schema, and business operating, and risk control, and interest rate level five a area and village Bank for has comparison. On this basis, analyses the total village because of its particular nature, and traditional commercial banks and County (City) level compared to the village Bank, faced a more prominent "top five risks", that is, liquidity risk, credit risk, operational risk, strategic risk, reputation risk. Further to the current total regulatory analysis of the present situation and problems in the village, revealed lower regulatory levels, monitor specific content need to be improved, external supervision of four issues of confusion and lack of regulatory resources. Overview of Bangladesh, Indonesia, Japan, the practice of micro finance institutions, summarizes experience in supervision of micro-credit institutions in foreign countries, taking into account the realities in China to draw on. Finally, from specific supervision laws, improve the supervision system and selection of specific contents, regulator, fulfilling regulatory resources, made a perfect score-line supervision legal system of countermeasures.