Research On The Coverage Of China’s Rural Banks

The party and the state has always focus on improving the living standards of farmers and the development of agriculture, which is also the primary task of China’s economic construction. Currently the financial system in China is not completely,the effective provision of service does not cover all social groups. Therefore in 2005 the United Nations mentioned the concept of inclusive financial system,by using the development of micro-finance and micro-credit to achieve the development of financial system in rural. In response to this call, the rural financial institutions come into being. By using this,the rural banks can offer better services for the poor and low-income people.the rural banks contribute to solve the argument of supply and demand on funds,in sufficient competition and low network coverage of rural financial institutions. However,the problems of uneven coverage has already influence on the development and its service mission for the poor and low-income people.the research,which combines with its own characteristics and business environment,on the differences of rural banks coverage can seek a better strategy in order to reach the best financial requirement on the coverage of the poor and low-income people.In order to issue the coverage of rural banks conduct in-depth research. This paper analyzes the following three aspects:(1) Using quantitative and qualitative method cover the village banks agency number and density, coverage and target customers business coverage to analyze.(2) Apply the GPS models, from a Macro, Meso and Micro three different angles to analyze the rural banks coverage financial services to protect(G), the status quo coverage of financial service providers(P) and financial services entities(S).(3) Describes the factors rural banks coverage reveals our village banks coverage differences reasons from a regional sense of the individual from length, width and depth three-dimensional perspective to seek the rationalize of coverage, so as to satisfy the financial needs of the poor.Under the premise of guaranteed coverage, rural banks can not only make more loans to support farmers, expand coverage, but also make it a sustainable business. This do not need too much government intervention, which can not only assist in the technical aspects of the rural banks master commercialization of micro-finance, but also on long-term development of a clear idea of village banks, boot up from the system, promote it a better diversified investment in rural areas, as soon as possible to step up on a "kind of diverse, full coverage the broad, flexible management structure, superb service performance, " financial services system path.From the perspective of our coverage of the rural banks, more thorough analysis of the rural banks density coverage, covering aspects such as coverage and target customers problems and find a fundamental factor in the impact of its coverage. Analyze the reasons for the differences between the individual and regional rural banks coverage, From themselves and external factors to improve the problem of uneven coverage of rural banks. Conducted from the perspective of rural banks coverage, promote equitable distribution of rural banks and the sustainable development of great significance, allowing rural banks to better serve the poor and low-income people, Therefore establish an important contribution to the financial system for all community.