Design And Implementation Of Rural Banking Systems

In view of the government work report of the State Council in 2003 formally put forward the rural problems,and has put forward specific issues guidelines and the draft,the first is financial support,but at present in the Chinese financial institutions for agriculture financial support is relatively small,and for farmers to obtain funding channels is very narrow,but also restricted by financial institutions issued annually credit system,in the end for the money or not to apply for basic rarely,so in this case the 2006 National CBRC issued "on the adjustment of the relaxation of access policy of banking institutions in rural areas,a number of opinions" to better support the construction of new socialist countryside,the village bank approved the establishment of some provinces and cities nationwide rural areas pilot.However,in the construction and development of rural banks all cannot do without the support of the software system,the software system of village banks are helping to build a line,part of the village bank is in the line of support software system,but because the village bank is a financial institution independent,for their own factors account management and business development and other considerations,there is a large part of their construction,just launch line of supervision and examination,thus causing initiates a line under the rural banks,rural banks and between the originating bank can not realize counter interconnection,is very unfavorable for the development of the fledgling town bank,also launched not convenient to the flag of the town bank business help,then you need to build a set of implementation between rural banks and rural banks,rural banks and sponsors Mutual interconnection between the counter system,at the same time line to be launched as similar to the people’s Bank of Chinese clearing responsibilities,the liquidation of the accounts every day.The future development of the banking system from the point of view,for banks,rural banks and rural banks and exchanges between the originating bank funds more fast,can be recorded in real time,for customers,rural banks and the originating bank customers can join the system in any bank counter implementation of Internet business,great the convenience of customers.