The Research On The Development Of Village Banks In Jilin Province

Rural finance is the core of the rural economic system, and solving the "three rural" problems cannot be separated from rural financial support. Although in the 1990s, China began to reform the rural finance,the relevant laws and regulations have been implemented, but the financing of rural finance has not been able to solve the problem, there is a serious shortage of rural financial services and other issues. However, the emergence and development of new rural financial institutions, such as rural banks, have alleviated the financing difficulties of rural finance to a certain extent. As the main force of the new rural financial institutions encouraged and supported by the state, the rural banks have increased rural financial supply, rural financial service gaps, building a competitive rural financial market and so play an important role. However, the development of rural banks is still in the initial stage, facing many difficulties, and China has a vast territory, and the economic gap between eastern and western regions is quite large. Although there are some common problems in rural banks in different parts of the country, it is necessary to find out the development path suitable for the villages and towns in each province according to the economic situation of each province. Therefore, it is very important for the development of rural banks in different provinces.Jilin Province is Chinese agricultural province, with unique conditions of agricultural production, grain production in the country occupies an important position. In recent years, with the "three rural" development, Jilin Province, the increasing demand for funds in rural areas. As a new type of rural financial institutions, rural banks have made great contributions to ease the shortage of funds in rural areas. Therefore, it is of great significance to study the difficulties and development path of village banks in Jilin Province, which not only contributes to the sustainable development of rural banks in Jilin Province, but also promotes the development of agriculture, rural areas and farmers.This paper first gives an overview of the rural banks, introduces the meaning of the village banks, the establishment of conditions and market positioning, and then introduced the rural financial theory, financial endogenous theory, financial sustainable development theory, for the study of Jilin Province village bank development Analysis to provide the relevant theoretical basis. Then it analyzes the development status of rural banks and the development of rural banks in Jilin Province, and explores the main problems in the development of village banks in Jilin Province. This paper uses the PEST-SWOT model to systematically analyze the macro-level and micro-level factors that affect the sustainable development of rural banks in Jilin Province. The study found that the support of the government, the broad market space, the backing of the sponsor line is the basis for the development of rural banks in Jilin Province; the lower registered capital, poor storage capacity, financial product innovation, human resources and other obstacles to rural banks in Jilin Province Development, tax incentives and other policies, the lack of rural financial supply is the development opportunities of rural banks in Jilin Province; competition with other rural financial institutions is the threat of village banks in Jilin Province. Finally, based on the shortcomings of the village banks in Jilin Province, this paper puts forward specific suggestions for the future development of rural banks in Jilin Province.