Research On Supervision System Of Rural Bank

Since 2007, rural banks as a new thing began to enter our field of vision, accompanied by the passage of time, the public perception of the things from the strange gradually become familiar. As of 2014 12 at the end of the operation of the rural bank has set up more than 1200, experienced management practice for 9 years, as a new the financial institutions in rural areas of our country, it has a big difference with the general commercial banks, namely in agriculture and for-profit one. Because of this characteristic, the rural banks in business practice are facing many problems, such as a single regulatory body, regulatory means poor operability, profit and support for it is difficult to balance, the village bank entry and exit related issues. From the above mentioned problems, simply rely on market regulation is difficult to solve, in order to ensure the stable and healthy development of China’s rural banks, rural financial security With sufficient vigor and requires a thorough analysis of appear these problems reasons, to find the methods to solve the problem. Finally, through establishing and perfecting China’s legal supervision system of village banks, to provide legal safeguard for village banks face the problem solving.This paper is divided into five parts in this paper, the initial through the first part of the introduction describes the financial demand of the current market situation and economic development in rural areas, the establishment of the background, and then introduce the development of village banks, and for the supervision of the process of gradually highlighting the problems to be noted. The second part of this paper summarizes about villages and towns the bank and the related concept of banking supervision, according to the actual situation and the necessity of legal supervision of village banks. The third part mainly from the goal of supervision, supervision of the status quo, regulatory defects in three aspects, to analyze China’s current banking supervision system, through the detailed analysis to our comprehensive, fully aware of the present Regulation of rural banks in China for the following problems, compared to similar foreign bank supervision experience, absorbing supervision Feasible measures, improve the rural banking supervision system to pave the way. Through the fourth part and the Grameen Bank in Bangladesh, Japan’s local banks, community banks in the United States in the service object, regulation and in a comparative analysis, mining related experience and absorbing one essence, make the best use of it. The fifth part is mainly according to the previous analysis, in order to perfect our country rural banking supervision legal system and put forward some available advice and suggestions mainly includes advocate for rural banks to develop specific and effective laws and regulations, establish effective internal and external supervision mechanism, improve market withdrawal legal supervision and so on. This is the village banks in rural areas in order to solve the lack of financial services, and the establishment of its scarce resources, high risk, profit and support to help small characteristics together, there will be many contradictions and differences in the business. This paper tries to make a thorough analysis on the current development of rural banks and rural comprehensive status the means of banking supervision and regulatory features, problems summarized many years of practice of village bank management faces and the regulation of village banks obvious defects, through the successful experience and bitter lessons with the similar foreign bank supervision, improve the supervision system of rural banks in China, and promote the sustained and stable operation of China’s banking security, realize supply financial services in rural areas generally face problems and other issues related to the target.