Research On The Folk Capital In China Holding The Village Banking

The establishment of village banking makes sense deepening the reform of rural finance,building a competitive rural financial market, meet the financial needs of rural, providebenign development channel for folk capital. To encourage and guide folk capital toparticipate in the construction of village banking, the CBRC has successively promulgatedand implemented on a series of policy and documents to support folk capital to participate inlaunching village banking.The active participation of folk capital, to a large extent, promoted the rapid developmentof village banking, through providing village banking with sufficient capital, acceleratingrural Banks localization, etc. But the existence of the sponsor system, on the one hand,strengthen the banking financial institutions to control the village banking, making the mainlaunching bank completely dominate the village banking business decisions, and villagebanking becomes its branch or branches.The independence and autonomy of village and townbank of severely was damaged.On the other hand,it lead to marginalized folk capital, and folkcapital in village banking did not have the same voice, without engagement, folk capital in thevillage banking do not achieve their vision, it will blow tremendously the enthusiasm of folkcapital investing in the village banking, and even lead to the folk capital having entered thevillage banking folk capital get away from rural banks.Based on this, to explore if the folk capital is capable of holding village banks, hasimportant theoretical and practical significance to promote the healthy and sustainabledevelopment of the village bank.This paper argues that under the background of thedevelopment of village banking gradually maturing, the chance that the folk capital holdingvillage banking time has come, and through the system designed and the perfection ofregulation, Risks caused by folk capital controlling and dominating the village banking can beprevented and controlled.In this paper, the problem of the folk capital holding village banking are studied.The fulltext is divided into five parts.The first part summarizes the research background andsignificance of the thesis, the related concepts of village banking and folk capital, the studyabout village and town bank ownership structure and the main sponsor system research byscholars at home and abroad;The second part summarizes the development of the folk capital participating in village and town bank, and then describes the fact the main launching bankand the folk capital hold and share village banking, finally analyzes the existing problemsabout folk capital participating in village and town bank and the impact of ownershipstructure;The third part analyzes the influence factors of the folk capital holding villagebanking are, and discusses the feasibility of the folk capital holding village banking, comingto the conclusion that folk capital can holding village banking;The fourth part puts forwardthe periodic mode in the folk capital holding village banking;The fifth part analyzes therelated risks after the folk capital holds village banking, and puts forward operatingcountermeasures the folk capital holding village banking and suggestions to prevent andcontrol the risks.