Research Of Rural Bank Supervision Law System

Rural finance has been a major problem in China’s financial sector. With the reform of state-owned commercial banks, commercial banks, especially state-owned Agricultural Bank is to support the "three rural" is characterized by withdrawal from the county and the county the following areas, the rural financial market supply and demand imbalance.The establishment of village banks in rural areas for investment diversification, tight supply and demand to solve the economic problems in rural areas, construction of new countryside and so significant.From the end of 2006 the bank opened its first village to village banks now after eight years of development, rural banks rely on existing institutions, with strong force and other main advantage of the originating bank gradually steady development of China’s rural financial imbalances between supply and demand has been greatly improved economic performance previews.But as a new thing, in the process of development problems of rural banks to gradually come out, these issues should be seriously, and should be carried out in-depth study to explore rural banks continue to seek suitable development path. Starting with the concept of village banks, starting characteristics, the use of comparative study, comparing the relevant financial institutions and similar financial institutions overseas, sort out legal supervision system of village banks.On this basis, further to the main line system launched village banks and the "three rural services" concept study development two major issues, trying to make relevant recommendations for improving rural bank regulatory system design.The preface describes the literature review and research significance of this paper, rural banks abroad related research, which can be seen in our research activities on the village bank is still relatively scarce, and most studies have focused on the field of economics, and further indicates regulation of the legal system of the necessity and urgency.The first part explained the basic theoretical concepts of village banks, introduce background of the establishment, the legal nature and characteristics, and in tabular form village banks and micro-credit companies, rural credit cooperatives and rural credit union funds compared this part do theoretical groundwork is set forth below.The second part of the current legal system of supervision of village banks to make a list and summary of the regulatory grasp of the legal system as a whole village banks, rural banks and incorporates the development of this process, the problems get to the bottom of the root causes of their problems:one is under "strict supervision" concept initiated by the main line of the drawbacks of the system and gradually deviated from the village bank regulatory defect "three rural services" concept.The third part describes the Community legal supervision of foreign banks and rural banks to give sound legal supervision system revelation. This paper mainly from the United States community banks, community banks in Australia and Grameen Bank.Part Ⅱ presents the fourth part closely linked to regulatory loopholes for analysis. Initiating a main line system. First, weigh the pros and cons of the system, make value analysis, the originating bank to improve primary system thinking. The second question is "three rural services" conflict of interest and commercial banks from the establishment of the beginning of the village suffered many disputes, and on the "three rural services," and commercial interests are completely opposite viewpoints either-or question, put forward the article suggests.