Village Banks In Our Country Legal System Of The Main Sponsors

"Three agriculture" problem has always been China’s economy and society is facing a fundamental problem to be solved. Slow development of rural economy in addition to our country agriculture itself characteristics, but also because of underdeveloped rural financial market, rural financial system is not yet perfect, external capital is difficult to enter the rural financial market, at the same time, rural economic development level, fewer farmers deposits, loans into low also limits the financial sector. Faced with the slow development of the rural economy, in 2006 China began to try to create rural banking system, in order to help and support for the construction of rural financial market, the economic development of rural areas. The establishment of system of village Banks is a dose of strong injection of rural financial market in our country, for the reference to the problem of \ "agriculture, rural areas and farmers\" provides a new way, for the stability and development of rural financial market, the establishment and perfection of the rural financial system provides a new power.In 2006, the China banking regulatory commission policies, in six provinces or autonomous regions of rural areas to carry out the pilot work, village Banks as of December 2014, the national total of 1547 rural Banks, in October 2015, the China banking regulatory commission’s web site search keyword \ "village Banks\", a total of 3985 search results.(data from the Internet)From the start date of the pilot, momentum of the development of village Banks is still very prosperous, but have some problems in the actual operation, one of the most important factor is the main sponsor of the bank system is not flexible, village Banks established form a single, independence is poor, the main sponsor rely too much on, restrict the sustainable development of village Banks. Village bank is the demand of rural financial market in China and birth, received extensive attention of the society from all walks of life, and to help solve the \ "SAN nong\" problem of rural economic development plays a positive role, therefore solve the problems of village Banks, to make it more like a duck to water in rural financial market is a primary issue we need to solve.The author found that, through repeated thinking and a thorough investigation into a strict system of sponsors village Banks to maintain rural financial market stability, strengthen the regulation village Banks play a positive role, but also limits the other market main body to enter at the same time, not conducive to the expansion and development of rural financial market. Intention in this paper, through the difficulties in the actual operation and development of village Banks, combined with local occurred and the relevant instances about village Banks, on system of village and town bank main sponsors and the combination of theory with practice, combining with the development of village Banks in our country present situation and trend analysis, put forward in accordance with China’s national conditions of perfect legal system of the main sponsors village bank advice.The first part is the introduction part of the article, which leads to the full text, expounds the research background, research purpose, research significance, and summarized the research status at home and abroad. Different from the development of urban and rural financial market in our country and rural finance development present situation, illustrate the importance of village Banks, in order to maintain the healthy development of village Banks, the improvement of the main sponsors system is the key.The second part is mainly on the theoretical part of enrichment, summarizes the concept and characteristics of village Banks, as well as our current system of village and town bank main sponsors. Carding the basic theory, the paper expounds the theoretical basis for this paper, briefly describes the present practice of village Banks main sponsor system, as well as running status of our current system of village and town bank main sponsors.The third part is the analysis of the current system of village and town bank main sponsor, especially on the necessity of the current main sponsor system, and shows that our current system of village and town bank main sponsors for village and town bank regulation and exert positive effects on the stability of rural financial market, as well as the current main sponsor system for the development of village Banks. Through case analysis, it is concluded that China’s current rural Banks main sponsor system still has shortcomings, there are main sponsor too single, main they stake is too high, the main influence of initiators village and town bank independence as well as the main sponsor system exclusive private capital.The fourth part of the introduction and analysis of the foreign developed countries represented by the United States, Japan) and the developing countries(represented by Bangladesh) similar to the development of banking financial institutions, relevant systems and successful experience, and these experiences for reference to the village Banks in our country, with the successful experience of abroad to improve the system of village Banks in our country the main sponsors.The fifth part from the main sponsor system after the reform, reform after the risk analysis and risk prevention legal system three aspects about the improvement of the system of village and town bank main sponsor main sponsor system reform from the expanding the scope of the main sponsors, explore the dual system of the main sponsors and diversify the three perspective; Main sponsor system reform should consider blind pursuit of profit after the risk of excessive competition, relationship management related loan problem and the problem of insufficient capital business; To solve these problems by differentiating the minimum capital regulatory mechanism, deposit insurance and credit review of the main control, diversified supervision, related loans.