The Study On The Future And Developing Of Chinese Village Banks

This topic through the investigation and analysis of the prospects for the development of village banks, to explore the development of the rural economy in recent years, shows the side of national macroeconomic regulation and control, the effect of positive and negative influence on agriculture and rural financial support to the contemporary mainstream finance.The banking industry is an important part of China’s financial system, the total assets of the banking sector accounted for the entire financial industry 79%, occupy the dominant position. But the structure of China’s banking system is not reasonable, accounted for 99% in the number of small bank deposits accounted for only 13% of the total, and the four major commercial banks occupy 70%, these large banks because of the cost control, risk aversion and other reasons, is not willing to put money into the countryside, resulting in China’s rural financial development is slow, difficult financing the enterprise, less channels.The village bank is important to our country’s financial part, to a certain extent, is a supplement to the large commercial banks. Research on the current village banks is to solve the small and medium enterprises financing bottleneck, grass-roots financial scarcity of financial services and personalized and other issues of a good solution. Village banks flexible mechanism, solve the financing difficulties of small and medium enterprises, the optimization of the banking system, improve the comprehensive competitiveness of banking industry made great contributions. Village bank in our country has set up more than 1000, enough to prove that he has ignored the competitiveness. This paper combined with some policy documents, the village bank data, combined with Kaifeng county new rural bank case, carries on the discussion to the related concepts and basic theory of village banks, to analyze and Research on the current village banks, so as to provide basis and reference for the selection of the development planning of the necessary right.