Study On The Sustainable Development Of Rural Banks In China

One, the main contents and viewpoints:"Agriculture","rural","rural"(hereinafter referred to as the "three rural issues"), is the key, the key and difficult problems of socialist economic construction of our country, has become an important factor affecting the healthy and sustainable development of Chinese economy. To solve the three rural issues ", mainly depends on the development of the rural economy, rural finance is the basis of rural economic development, more obvious to rural economic boost. From abroad, the rural economy and financial development situation, the development of good rural finance, natural be smoothly done or easily solved many problems faced in the development of rural economy, fundamentally ease the current "three rural issues". The long run, the financial development of heavy city in China, the problem of rural financial development of outstanding light. Although in recent years, with the deepening of economic system reform, improve China’s rural financial reform and development, but the effect is not significant. Accordingly, in2006December, the CBRC issued relevant policies, reduce capital requirements to set up investment banking financial institutions in rural areas, to guide and encourage all kinds of capital (including private capital investment in rural areas) to the establishment of village banks thought, the village bank was born. In recent years, China’s rural banks operating practice, the village bank in promoting urban and rural development, promoting rural financial incremental reform, constructing cover in different regions, different levels of rural financial service system, to solve the "three rural" issues, to promote China’s rural economic development made a positive and far-reaching impact. At the same time, we have to see, though it is of great significance, but in the process of its development there are still many problems that need to be resolved, only put the problem solved, and constantly perfected and improved, in order to ensure the sustainable development of China’s rural bank. Based on the current situation of the development of China’s rural banks and operation practice of in-depth investigation and study, using the SWOT model, a detailed analysis of the advantages and disadvantages of the development of rural banks, and then find out the opportunities and threats, by constructing a SWOT matrix, to determine the strategic choice for the sustainable development of China’s rural banks, and in reference to the international micro lending institutions-the Grameen Bank Based on the successful experience, put forward to promote the sustainable and healthy development of China’s rural banks countermeasures and suggestions.This paper is divided into five parts. The first part, describes the research background, significance, ideas and methods, introduced the research object, summarizes the research results at home and abroad; the second part, describes the development of China’s village banks status, analysis of China’s rural banks operating practice; the third part, introduced the SWOT analysis of related theory; the fourth part, by using SWOT model, a detailed analysis of the development of rural banks facing the advantages and disadvantages, and then find out the opportunities and threats, determine the strategic choice of sustainable development of villages and small towns; the fifth part, according to the SWOT analysis of the village bank, with full foreign small micro loan basis of successful experience, put forward the corresponding countermeasures and suggestions.Two, the innovation of this paper lies in the following two aspects:(a) topic is novel. The topic of this paper is to solve the "three rural issues", improve the rural financial system reform, and promote the sustainable development of China’s rural banks, to provide some reference and research ideas. At the same time, this paper focuses on the main theme of the times and the contemporary economic and social development needs, in line with the building of the Party Central Committee put forward the harmonious society, promote the balanced urban and rural development, speed up the construction of new socialist countryside, has a very important theoretical and practical significance.(b) analysis of novel. In this paper, by using the SWOT model, the current development of China’s rural banks has advantages and disadvantages, opportunities and threats analysis, construction of SWOT analysis matrix, determine the strategic choice for the sustainable development of village banks, then analyzes the relevant advice on how to make China’s rural banks to achieve sustainable development and opinions.