Study On The Development And Measure Of Rural Credit Banks In Xingsha

With the deeper development of the rural economy, country paid more attention on the issue of "Rural areas and farmers", so the government increased the reform of financial in country territory. However, due to the rural financial market is weak and credit environment is unstable, it made the rural financial institutions in transition, and faced with the restriction of the traditional management mode and the mode of operation, which brought difficulty to the reform of rural financial institutions. This paper introduced on how to break through the traditional pattern of rural economic growth, serving the country better and implementing their own sustainable development, and witnessed the strategic idea of the rural credit cooperatives reform of rural commercial bank in Xingsha.This paper firstly retrospected the domestic and foreign development status of rural credit institutions, recommended the theory of rural finance, took the rural credit banks in Xingsha as research objects, discussed the main problems in the reformation which are the marketing situation of passive resistance, the imbalance of development of the industry and oneness management concept and service skills, and analyzed the causes then raised some positive ideas which are the reform of financial system, assets reorganization, the reform of legal system, operational mechanism and management mode, the incentive and constraint mechanism, the credit environment, the credit management information system and so on.The innovation of this article:l,It connected the goals and objectives of the reform and analyzed the potential risk, presented the best model for the development of the rural credit cooperative in Xingsha, which can be changed into the rural commercial bank and can be development by the operation mode of modern commercial banks.2, It established a suitable operation mode for the regional economic development in the countryside, following by the specific reform objective. In this paper, for exploring a new road in the sustainable development of rural credit banks and the establishment of new rural financial environment.