Problems Existing In Rural Banks In China And The Countermeasures Proposed

Since the reform and opening up, China’s agriculture has developed rapidly, and the party and the state pay more and more attention to the "three rural" issues. In the environment of urban and rural integration, we should explore a new way which is suitable for the development of rural financial market in China, and further promote the development of rural economy. And the current rural financial development has encountered a series of problems such as the lack of financial supply, has become the biggest obstacle to the development of rural areas, affecting the income of farmers, rural industry development and rural economic prosperity. Under such a big background, the rural banks came into being, which is an important symbol of the incremental reform of rural finance in China. But the development time of village banks is short, and the problems are still many, In order to fulfill the task of financial filling in rural financial markets, we must objectively analyze the problems of their own existence, and take reasonable measures to reform and deal with, and better complete the mission of serving the "three rural". Therefore, it is of great significance to study the problems and reform of rural banks.Through consulting the literature, this paper analyzes the related theory and practice development of village banks (or community banks) at home and abroad. In reference to the basis of research results at home and abroad, further analysis of the development status of rural banks, combing the current development of China’s rural banks in the process of a typical case, rational and objective analysis of the problems existing in the development of rural banks. Such as limited sources of funds deposit ratio high; no real depth of rural market; management idea obsolete, single control model; poor external environment, supervision system is not perfect and so on. And draw lessons from the successful experience, put forward to suggestions on the sustainable development of rural banks. Broaden sources of funding, the rational allocation of funds whereabouts; clear market positioning and service object; innovative service concept, design differentiated products; to increase policy support and improve the external environment; strengthen financial supervision, innovative forms of regulation; implementation of the talent strategy construct harmonious corporate culture. The development of rural banks cannot be achieved overnight, need based on the special situation of China’s rural economic development, according to local conditions, the difference of development.