Study On The Development Of Village Banks In Harbin

Rural economy cannot do without a good environment for rural finance,the existing rural financial markets still exist in the supply shortage situation,rural banks can make up for the vacancy of rural financial market,optimize the market structure of rural financial funds to meet the needs of the vast rural areas,farmers,small agricultural enterprises.The purpose of rural banks is to serve the three rural areas.Under the guidance of national policy,rural banks made the development situation of hitherto unknown,Bank towns and villages of Harbin area with the opportunity for development,expanding the scale,improve the comprehensive competitiveness of the Harbin area,the rural economy has a very good role in promoting,but there are still some problems,need to improve.Therefore,the study of rural banks in Harbin is of great value.On the basis of literature collection,the paper reviews the related theories of rural bank development,including the theory of financial innovation,the theory of Financial Symbiosis and the theory of rural financial market.The status of the development of rural banks in Harbin were described objectively,using SWOT analysis method,analyzes the development of rural banks in Harbin's internal and external environment,mainly are the pros and cons of economic advantage,geographical advantage,talent advantage,disadvantage is the lack of profitability,the launch mechanism is missing,lack of technological innovation.The external opportunities are the support of national policies and the demand for funds for new rural construction,and the challenges lie in commercial banks,rural credit cooperatives and so on.Then,learn from the experience of other regions at home and abroad.From Sichuan,Yilong,Zhejiang,Changxin and other regions,as well as some foreign countries to obtain inspiration,specific is: the establishment of coordination mechanisms,a clear positioning of their own,strengthen the banking cooperation and so on.Finally,aiming at the development of village banks in Harbin,some countermeasures and suggestions are put forward.Including the establishment of a deposit insurance system,strengthen the construction of rural credit environment,the innovation of financial products and services,establish and improve the village banking personnel education and training mechanism,construction of the exit mechanism of rural banks etc..