Development Of Rural Banks In Gansu Province

Rural finance has become a significant link of the issues in rural areas.In order to develop rural financial market and accelerate new socialist countryside,we should put the “supply” issue in the first place.Only if we succeed in settle balance between the supply of fund and the demand,can we work a lot of things out.Rural banks are new-born organizations in rural area,they has brought many vitality and hopes to rural financial market.If rural banks can realize sustainable development.It's probably to promote institutional innovation and reform in rural finance.From the innovation and reform,we can satisfy the demand of fund and increase the supply of fund in rural areas.It's important for rural areas and farmers to realize the sustainable development of rural banks.Because it not only concern the life and production of farmers,but also become of a center of rural finance system establishment.Gansu province is the first batch experimental unit of rural banks in China.Gansu province established the first rural bank in Qingyang City,March 2007.The first Chinese-foreign joint rural bank has established in Baiyin City,July 2015.It has open a new and prosperous complexion for rural banks.At present,there are eighteen rural banks has set up in Gansu province.They all have favorable development trend.The deposit and loan of different regions have increased fast.All rural banks have achieved profit and show the ability of risk prevention.But rural banks as new rural institution,there are still many problems that we cannot deny in their development process.The specific issues are ownership concentration,the low earnings level and high operational risk.There are five sections of the paper.The first section is introduction.This part has introduced the research background and research significance.The part also include the analysis of domestic and overseas research of rural banks,and make few assessment.The second section is theoretical basis of sustainable development of rural banks.This part has introduced the concept and characteristics of rural banks,and some theories and evaluation of sustainable development.The third section is about the state of development of rural banks of Gansu province,including the status of institution setting,the business level,the profit level and the status of staff.By analyzing the state of development of Gansu Rural banks,we can indicate some problems during the development process.The forth section has analyzed internal conditions and external environment of Gansu rural banks by using SWOT analysis.The analysis has been combined with politics,economy and financial market to analyze internal strength and weakness,external opportunity and threat synthetically.From internal condition and external construction,the fifth section has put forward some suggest in improving the sustainable development level of Gansu rural banks.