The Research Of The Factors Affecting The Sustainable Development Of Rural Banks In Heilongjiang Province

Relates to the first document, issued in 2013 the central to accelerate rural economic reform, the promotion of mutual cooperation agricultural insurance and agricultural lending funds, and encouraging social idle capital investment in the establishment of new rural financial institutions, to improve the rural economy and services system to low income groups and the development of enterprises to provide appropriate financial services. Continue to develop new financial products and provide a variety of services, priority for funding to meet the borrowing needs of farmers and strengthen agricultural production and operation of the new body’s financial support. Village Bank as the newly established rural financial institutions, its healthy and orderly sustainable operations, to promote rural economic income increase, narrowing the gap between rich and poor, to build a sound system of rural economy has a vital role.To realize rural banks were originally created to promote rural economic development, farmers and small and medium enterprises to solve the financing problem, the key is to make the rural banks healthy, stable and sustainable development continue. As a major agricultural province of Heilongjiang, the urgent need for agricultural financial services provided by rural banks, therefore, Heilongjiang Province Rural Bank study of sustainable development of this issue is of practical significance. In many factors that relationship long-term stability of rural banks, the paper of rural banks operating the actual situation, the use of comparative analysis, empirical analysis, the factors that affect the sustainable development of Heilongjiang Rural Bank study. It introduces the contents and characteristics of rural banks for sustainable development, followed by the introduction of rural banks in the market positioning of Heilongjiang Province, employing professional quality, government support, status of rural credit environment, business risk management, internal governance structure, etc., and depth analysis of its problems. Again sustainable development problems of rural banks based on selected products and innovation factors, risk management and control factors, environmental factors, credit, policy support factors, Property Ownership, six governance structure factor evaluation index system, Analytic Hierarchy Methods factors affecting the sustainable development of rural banks in Heilongjiang Province conducted comprehensive weight comparison, product innovation and service comprehensive weight in the first place, 44.62%; credit environment, followed by a weight of 20.75%; ranked third for risk management and control 14.87%; property rights, policy support, internal governance structure ranks four, five, six conclusions. Finally, the empirical analysis based on the results, presented a demand-driven innovative services and products, improve the quality of employees, establish governance structures and property rights system to adapt to strengthen government efforts to support the establishment of strict risk control system and other targeted Suggestions.The main features of this paper, first, emphasizing the critical sustainability, focusing on the impact of rural banks select pillars of sustainable development, through the establishment of a multi-layer hierarchical structure at all levels of the factor weights compared. Second, the external factors in the combined analysis of external factors credit environment, government support, etc., it is also in-depth study of its internal governance structure, products, services and innovation, risk management and other internal impact indicators for the rural banks long-term stability The importance of operations.