Research On Legal Problems Of Village Banks’ Different Regulatory

With the rapid development of modern agriculture and promotion of the new rura l construction, Chinese agricultural economy need to accelerate the development, thus We urgently need the support of rural finance.Village banks,as the main form of r ural financial incremental reform,play a role in speeding up the rural financial system innovation and promoting rural economic growth.As the number of rural banks gradually formed the scale,the regulatory issues inc reasingly become the focus,which proposed the challenge about the relevant supervisi on system design and the regulatory ability.As a result,through a lot of meticulous lite rature review,from the perspective of different regulation and institutional innovation,using methods of historical analysis, comparative analysis and empirical analysis,this paper conduct a comprehensive and systematic analysis of the different regulatory goa ls,reasons and problems of village bank.Finally this paper put forward the suggestions of perfecting Chinese village banks’ different regulation.As a new small village bank financial institutions representatives in solving China’s "three rural" issues, and promote the reform of rural financial institutions and economic development in rural areas to meet the needs of financial services has played an important role. Based on the research results at home and abroad about the difference between rural bank regulation, explains the character and legal nature of village banks, conducted under the supervision of the difference between the target defined. And detailed analysis of the causes of rural banks need to implement regulatory differences: differences in service needs of internal and external regulatory differences "three rural" purpose and village banks.An important difference between the issue of supervision of village banks face is the inner conflict of the current rural banks and commercial agriculture. This paper selects the deposit reserve ratio, the corporate governance structure and deposit on the degree of deviation of the three regulatory indicators analyzes the status quo village bank regulatory differences, pointing out the difference between the current regulatory system problems: lack of Three Rural objective support, for implementation and exemption system due incomplete, inadequate regulatory resources difference, the above problems hinder the development of village banks.Article from the regulatory approach, the regulatory body to set and supervise relief mechanism introduces American Community Bank and Grameen Bank advanced experience differences in regulatory practice, summed up the difference between the Enlightenment to China village bank supervision: a flexible regulatory and methods to ensure appropriate supervision of rural banks to fulfill the purpose of agriculture, rural banks are encouraged to play to their strengths in financial innovation.Propose specific measures to improve this article by Chinese and foreign comparative difference of village bank regulatory rules formulated recommendations: village banks by their different regulatory differences between the actual situation, to reconcile facing village banks and commercial challenges of agriculture; by refining the village Bank difference regulatory indicators, ensure the stable development of village banks; supporting policies by optimizing the regulatory differences, enhance agriculture village banks active enthusiasm; tilt by rural banks to support policies and legislation to implement flexible regulatory eventually find a suitable development of village banks the best regulatory model.In this paper, a new regulatory point of view that is the difference between supervision as the starting point, when asked this particular village banks in rural financial institutions supervision, should be the general commercial banks and other rural small and medium financial institutions recommend distinguish regulatory supervision, through the creation of policy guidance regulatory environment appropriate to their development, village banks to improve regulatory efficiency, boost rural finance development, promote rural economic growth.