Research On Operating Status, Problems And Countermeasures Of China’s Rural Banks

Chinese agricultural foundation is weak, backward rural economy, farmers’ income is low, the key question facing the completion of the new stage of comprehensive well-off society, and restrict the "three rural" issues and economic and social development in rural areas is that the majority of the underlying funds in rural areas seriously inadequate. Can be effectively and strong financial support, satisfy the needs of rural areas development funds,not only about the farmers enjoy the economic and social development and sustainable development of agriculture dividend, but also related to the construction of a new socialist countryside and harmonious society build. Pilot rural banks to promote the establishment and explore some extent to meet the financial needs of rural development, enriching the rural financial market, and increased funding to support rural economic development efforts to better serve the "San Nong" a useful exploration.In this paper, from the background of village bank development as the starting point, we summarized the research status and achievements at home and abroad, analyzed the status of Financial Symbiosis Theory and other related theory on the innovation and development of China’s rural banks and the main problems, analyzed the driving factors of innovation and development of village bank, then driven strategy to promote the development of village bank innovation, aiming at the current social and economic conditions, to explore a line with the actual development of the socialist market economy and adapt to the requirements of the village and town bank system and mechanism, so as to provide a theoretical basis for financial support to solve the "three rural issues", form a kind of comparative advantage diversity,flexible operation, and efficient rural financial service system, promote the building of a new socialist countryside..