The Research On Rural Bank Development In De Yang City

Most rural areas in our country is in the current situation of "lack of funds, lead ing to inadequate investment in agriculture, develop more slowly. As one of the national economic center of Si Chuan province, the present situation of the rural financial development also faces a shortage of funds, rural finance is the core of the modern rural economy, becoming activated rural key factors of the development of the rural financial environment. Sichuan province in recent years trying to change the status quo, start pilot village Banks, and increase year by year, proved by operating for many years. Village Banks in rural areas in the Si Chuan region, must faces shortage of funds, lack of financial supporting. Rural economic development has made a contribution, but Si Chuan province village Banks are faced with market positioning alienation, lack of financial innovation, supporting facilities not perfect opaque financial environment and difficulties. The current situation of the development of village Banks and obstacle factors analysis, can increase money demand in rural areas, will be the key to promote the development of our country rural economic and financial. Therefore, this research has practical significance for development of village Banks.This paper summarizes the village Banks research background, research purpose and meaning, then reviews the related basic theory research at home and abroad. On the concept of village Banks is defined, has been clear about the construction condition and the specific standard of the construction of the rural Banks. Next to De Yang village Banks as a representative for case analysis, respectively from De Yang area social economy development situation, economic development situation, the rural financial market research. On the basis of the focus on using the SWOT analysis of the development of rural bank of De Yang city strengths, weaknesses, opportunities and challenges, and strategic positioning on combination analysis diagram, operating type strategic development in De Yang village bank is suitable for a variety of patterns.On this basis, according to the strategic research, this paper analyses the problems put forward the corresponding Suggestions, namely the De Yang city village Banks need to agriculture, rural areas and farmers service orientation, strong advantage of village Banks; Innovative financial service channel model, expand rural banking service radius. To strengthen the construction of its own, deciphering the brain-drain problem; Innovative financial products, improve service ability; Strict requirements, improve the quality of the staff; Classification of differentiated instruction, village Banks to prevent operational risks; Improve the policy support system, and promote the sustainable development of village Banks, through the above measures in rural financial system, enrich and perfect De Yang to promote De Yang area sustained, stable and healthy development of the rural financial economy to provide a certain basis.