Study On Sustainable Development Of Village Banks In China

In our country, the steady growth of farmers' income, agricultural industrial structure adjustment and the sustainable development of rural economy is inseparable from the strong support of rural finance. Over the years, along with our country finance system reform continued to deepen, county regional financial institution scale expands unceasingly, the service scope and the radius of the ever-expanding, China's rural financial support to the above aspects have largely improved. However, the perfect degree of the existing rural financial structure and system still and rapid development of the rural economy are different, the rural financial reforms will not be enough to keep up with the rural economic transition for growing the pressing needs of the financial services, vast rural areas in our country long-standing financial repression is strong, low cost and service efficiency of funds, many unhealthy phenomenon still has not been fundamentally solved, thus seriously hindered our country the great way to build a new socialist countryside in the process. To imprint the agricultural industry as the important role of foundation our country economy continues to boom, timely reverse areas at the grass-roots level in our country under the money supply can not adapt to the new period, farmers in production diversification demand, establish a fit our country's economy as soon as possible to realize national income of the multi-level financial system under the new normal, national central No. 1 document issued in 2006, in the county area is permitted and encouraged to set up a variety of system of ownership of village banks and rural capital support and three types of small loan companies this new type of rural financial institutions, trying to set up multi-level and differentiation in China's vast rural areas, the sustainable development of rural financial institutions layout. The move to boost the rural financial supply, improving the quality of basic rural financial service, perfecting the financial system in our country, to solve "three agriculture" problem and promoting the rural economy sustained and rapid development has important and far-reaching significance. In recent years, village banks in the development of the three kinds of new type of rural financial institutions gradually showing a "share", "development", "strong impact" and other characteristics, has become the representative of the new type of rural financial institutions in China at the present stage. For now, the development of village banks in China after years of exploration and trying some gratifying results, in the field of different levels and play its proper positive contribution, as a new round of rural financial reform injected with a solid strength. However, it is undeniable that our country village banks as the main body, the new financial supply of rural markets in the rapidly developing at the same time, also faces many internal and external factors, there are many needs to be overcome and solve the practice problem, makes our country villages and towns banks remain hidden trouble in the future sustainable development. In draw lessons from foreign classic rural financial theory and the related domestic outstanding research results are summarized on the basis of the concept and characteristics of village banks in China with a brief overview and analysis, and production and the development of village banks in China are introduced in detail, significance; Using empirical research method, through to the Jilin province present situation of the regional village banks operating performance and survival to the thorough analysis, to explore this kind of new type of rural financial institutions in the current problems existing in the process of rapid development and the reasons; Finally, in view of the above mentioned content, for our country to realize the sustainable development of village banks future a series of feasible countermeasures and suggestions are put forward.