Village Bank is a financial organization established after 2005 in China, aimed at promoting the development of China's rural economy,since the "village bank management Interim Provisions" issued January 22,2007,as of the end of September 2012 in the village bank the country has increased to 799. Because rural banks is relatively new,in its development process inevitably exposed many problems that exist in their regulatory,such as lack of regulatory resources,the regulatory process is not clear,a single regulatory means,the lack of regulatory experience, market access,over-regulation,support inadequate supervision of agricultural services, information disclosure system is imperfect,imperfect market withdrawal regulatory issues. How to effectively implement regulation to protect the health of the development of China's rural banks rank,become a very important issue. In view of this,he paper of China's rural bank regulatory system research.Chapter 1 first introduces the basic theory of rural banks,including its establishment background,nature and comparison with other banks.Although a commercial bank on the nature of rural banks,but it is also the presence of different commercial banks.As some scholars confused rural banks and rural banks, therefore,the author has analyzed the difference between the two. Secondly,to explore the legal supervision of village banks,rural banks,including legal and regulatory concepts and the need for legal regulation of village bank.Chapter 2 First from the regulatory body,contents,methods analysis the status of China's rural banking supervision; Second,studies of rural banks from problems in the regulatory system of content regulation,procedures,regulatory resources, means of supervision,regulation of market access,agriculture services regulation,information disclosure regulation, regulation of market exit.Chapter 3 from the perspective of comparative law, introduction of American community Banks, bank supervision present situation and the successful experience in rural Bangladesh, hope for some enlightenment to the improvement of the system of village and town bank supervision law. Such as can draw lessons from American community bank personal credit and bank internal control, etc. The grameen bank as the world's largest and best benefit in rural poverty alleviation, its operation and risk management experience is worthy of reference for our country.Chapter 4 the author attempts from the legislative point of view the main problems that exist in our village bank regulatory system,learn from the successful experience of foreign-related banks,rural banks to improve our regulatory system is suggested. First of all,I think we should develop specialized rural banks legal system; secondly, increasing regulatory resources,improve the means of supervision; once again,be relaxed rural bank market access; addition,the daily operations of rural banks made recommendations to improve regulation; and second,to improve the information disclosure system of village banks; Finally,the market withdrawal of rural bank regulators put forward a sound proposal. |