The Development Research On Rural Bank Of Jiangsu Province

The rural economic of China has reached a huge amount in recent years. It has been broken the traditional agriculture economic structure such as supported only by the planting, raising and small handicraft industrial. The modern industry, building industry, transportation and service industries are growing very fast in the rural economic development. The type of the traditional agriculture industrial has been giant changed to a different method and direction at the same time. Many different type of the agriculture industrial like as Special Project of Agriculture Industrial, Agriculture Industrial Grouping, Rural Area Service Industrial Grouping and some others kinds of the associations, agriculture cooperation groups are growing with a rapid speed in the past years. The rural economic are increasing not only with the "width" but also in the "depth", the rural financial service are sharing with the development of the rural economic and the demand of rural financial service are also showed in a huge market share, but sometimes the rural financial service demanding were forget in the darkness pot. The Rural bank is a fresh bank business in China, the rural bank service for the rural economic development gives the rural citizens more choice on the financial service. From2007, for the first rural bank was setup, the rural bank has broken the balance on the finance service in rural area, solves some of the questions in the "short-board" for the capital cash demanding on the rural development.Jiangsu Province is a huge agriculture industrial province in China, but the different economic zone has different resources and the level of the economic development. The financial cash demanding are also different in class and types. Most of the rural area, the industrial structures are adjusted very soon and the business actions are guided by the market demanding and supporting, different types industrials were cooperated each other in a smooth step. The demand of the financial cash in Jiangsu is higher than the state average level on the savings and the crediting. As the social insurance systems are not done well in china, the speed of the income increasing is quicker than consume increasing, there is huge quantity for the cash savings. And there is lack of financial service in the rural in Jiangsu, the competition is not run in normal route, then there is shortage for financial service, some area cover down the demanding for this. The new finance business is just starting on the first step; the county market is not so easy for rural bank entering. But the rural bank will play a pole for resources distribution; the rural bank will be more and more important in the rural finance market for future. This paper analyze the current status on rural economic development and the financial environment in Jiangsu Province, compare with the styles and operation experiences of foreign rural banks, collected the parameter data on the rural bank in other province such as the register capita、business style、 shareholding, try to found out the advantage and the limitation on rural bank in Jiangsu Province, support the sustainable development method for the rural bank in Jiangsu Province. This paper also reveals the current status and problems of the development on the rural bank in Jiangsu, compare with sustainable development method, give advice on how to run in the health development route. Depending on analyze the rural banks in Jiangsu with its shareholding, finance cost control, business promoting method, investing method, target market setup, risk control, try to give some advice for the rural bank developing in Jiangsu rural area.