Research On The Rural Banking Supervision Legal System From The Perspective Of Inclusive Finance

Inclusive Finance is a new concept which is put forward in 2005 by the United Nations, but before this, the inclusive financial practice had begun. China attaches great importance to the construction of inclusive finance, and increases rural financial supply actively. In face of difficulties in rural finance, through the establishment of new-type rural financial institutions to further deepening the reform of rural finance, rural bank is the important incremental reform achievement. The village and town bank take commercial operation mode, but its one of the most important mission is to serving rural area residents and small and medium-sized enterprises, and to further stimulate the rural economy, support "three agriculture". But in practice, there exists a phenomenon that the village bank deviate from the mission of supporting the agriculture and residents in rural area. Although this is concerned with its profit driven nature, the village bank supervision has to bear direct responsibility. As a direct and effective external constraint system, rural bank regulatory impacts and guides the rural bank practice of inclusive finance,.It has a great importance to study the rural bank supervision in the inclusive financial perspective.In this paper, under the inclusive financial perspective, the specific contents and requirements for in-depth analysis of Inclusive Finance, to excavate its profound connotation, analysis of sustainability requirements with the relationship between the Pratt & Whitney farmers public welfare requirements of inclusive finance construction, basic train of thought clear inclusive finance construction, and according to the time as the basis, re-examine the rural bank as practitioner of inclusive financial construction the bear, inclusive financial construction tasks of the internal rationality, and empirically analyzes the existing problems in the practice of village banks, as discussed below, the regulatory system obstacles caused the problem to prepare. According to the Inclusive Finance and rural bank theory and empirical analysis in this paper fully inclusive financial perspective, specific analysis of the village bank supervision legal system caused by the deviation of obstacle of inclusive financial requirements, points out that the rural bank regulators in regulation legislation, subject, market access, supervision measures negative deficiencies, further elaborated between Inclusive Finance and the village and town bank regulatory links.In addition, according to the system obstacle of village bank supervision of inclusive financial perspective, this paper detailed analysis of the relevant regulatory experience American community bank and the Bangladesh Grameen Bank, community bank performance and Grameen Bank Supervision Practice strictly from history, reality point of view, to explore the joint of them, and learn from the important system of further analysis of both on supervision China Rural Commercial Bank in supervision idea, regulatory principles and specific regulatory aspects of the system, for the following specific rural bank supervision system construction to pave the way for.Finally, according to the regulation system of our country village bank barriers, before the relevant theories and foreign experience for reference basis, this paper describes in detail the legal suggestion on perfecting rural bank supervision in the inclusive financial perspective. The article thinks, want to solve the legal obstacles to the system, it should be closely around the obstacle itself were targeted system construction, should from set up the idea, financial fairness insist on appropriate and differential supervision principle, improve the legislative effect level, market access, supervision subject construction, supervision content improvement and supporting system in many aspects such as the construction of the legal system suitable for the development of village bank.