A Comparative Study On The Development Of Rural Banks In Different Main Sponsors In China

Since the end of 2006 the Chinese government announced that open doors in the field of rural finance,encourage different types of financial institutions in rural areas set up village Banks,to serve the "three rural" for the purpose of village Banks have mushroomed to flourish,after ten years of wind and rain,phased achievements in terms of support.At the same time as a new organization,village Banks also exposed many problems in the process of development,the service "three agriculture" the function of the degradation,stagnation,and the further development of village Banks,optimization of village Banks to support the development of "agriculture,rural areas and farmers" effect,to improve life in the economic progress in rural areas and farmers has a positive role.In this paper,based on the current situation of the development of village Banks as a whole,the main sponsors can be divided into the following five types: foreign Banks,policy Banks,large state-owned commercial Banks and national joint-stock commercial Banks and regional Banks,compare different main line launched village Banks of natural conditions and disadvantages,and then to different types of master initiated analyzes the typical model,descriptive statistics,and comparison analysis within the group and the contrast analysis between groups,summarizes various main launched the advantages and disadvantages and the common problems,on the one hand is because of the limitations on rural finance external development environment,such as rural economic development is relatively lagging behind,imperfect legal system of rural financial system,as well as the risk transfer system is not sound;On the other hand,village Banks own limitations,such as: business deviation orientation,lack of core competitiveness,the lack of talents introduction way and the way the poor equity structure and capital source co.,LTD,its management level is not high,lack of innovation,product structure need to be rich,the service level is not high.Draw lessonsfrom foreign experience in the development of rural financial institutions,is a small credit is the most successful of the Grameen bank,the second is the development route of the populist rural Banks in Indonesia,three is Bolivia the Grameen bank,analyzes the successful experience of the enlightenment of our country,is advantageous to the village Banks better play to the geographical and industry advantages,better serve the "three rural" development.Must first improve the village Banks own core competitive ability,the second is to improve the external environment for the development of village Banks,attaches great importance to the system of rural talent introduction,increasing agricultural policy support,and promote the improvement of the rural financial service system,promote the sustainable development of the rural Banks and promote the rural economic and social development level.