Study On Development Of Village Banks In Yingkou Area

Since2004, has for seven consecutive years, the central document No.1lockedin "three rural" and the rural financial problem highly concerned. In order to solve the"three rural" problems, establish a diversified rural financial system and the market,realize the China economic strategy of successful transition, China’sdecision-making implementation of the new round of reform of rural finance isflawed. In thisround of reform of rural financial institutions in the process, the original informal getsupport and attention. At present, the theory andpolicymakers seem to agree, isfocused on accelerating the reform of the rural financial system is dedicated to YuGoujian a meet the "three rural"characteristics of the multi-level, wide coverage, andsustainable rural financial system. By fostering the development of village banks, theestablishment of county funds for local higher proportion, financial products andservice innovation has seen positive changes, the construction of rural financialmarketcompetition solid start, the rural financial service quality and level areimproved significantly.Yingkou is Chinese northeast first open port, is China national bankingstartingplace, was the northeast economic, financial, trade, shipping and Religious-Culture Communication Center, distribution and various materials, known asthe"Oriental Trade Center" and "outside" in Shanghai. Financial history isrelativelylong, has good development base makes the Yingkou area rural bank as therepresentative of the rural financial service development. In recent years,Yingkouarea rural banks in accelerating the pace of development, the development ofagriculture support the growing role, but in the actual development situation stillexists some problems. Based on the research of theDevelopment Bank towns andvillages of Yingkou area, analysis of Yingkouvillage bank development social,legal, economic, political, technological environment, and by combining the theory offinancial deepening, Financial Symbiosis Theory, financial risk management, to theYingkou area town bankdevelopment were summarized, the strategic choice ofthe Development Banktowns and villages of Yingkou area and the countermeasures.The full text is divided into7chapters: The first chapter: introduction. Mainly introduces the background, researchpurpose, research significance, research status at home and abroad, research methodsand technical route.The second chapter: the definition of related concepts and theoretical basis.Mainlyintroduces the concept, characteristics of rural banks, combing the theory of financialdeepening, Financial Symbiosis Theory and the theory of financial risk management.The third chapter: analysis of Bank towns and villages of Yingkou area SLEPT.Themain analysis of the Yingkou area village bank development society, legal,economic,political, technological environment, lay the foundation for the present situation andadvantage of Bank towns and villages of Yingkou area.The fourth chapter: the present situation and the advantages of the development ofrural banks in Yingkou area. The paper introduced the situation of the villagebank development in the Yingkou area, and analyzes the Bank towns and villages ofYingkou area development advantage.The fifth chapter: analysis of problems and causes of the development of villagebank in Yingkou area. Mainly introduces the present development of village banks inYingkou area, and further analysis of the causes of the problem, laid the foundationfor the development strategy and Countermeasure of village bankrecommendedYingkou area.The sixth chapter: the development strategy and Countermeasure of villagebankrecommended Yingkou area. Mainly introduces the strategic town bankdevel-opment in the Yingkou area, proposed the goal, principle and thinking ofthedevelopment of village bank in Yingkou area, and put forward somecountermeasuresand suggestions.The seventh chapter: conclusion.