A Study On The Present Situation And Countermeasures Of The Development Of Rural Banks In China From The Respective Of Financial Ecology

With the development of the times,the progress of the society and the development of the rural economy more and more quickly,the demand of the rural residents to the financial service is also higher and higher.The funding gap has become China's rural areas of recent construction and social development in the way of.In order to solve the problem of insufficient supply of rural finance and the "three rural" financing difficulties,the China Banking Regulatory Commission(CBRC)put forward the reform of rural banking financial institutions in rural areas.March 1,2007 pilot into the building,the national attention,the development of faster,as of May 2016,the country set up a total of 1356 village banks.We need to speed up the growth of rural economy,but need to maintain a healthy,rapid and stable development,in order to more effectively build the rural ecological system.Of course,as one of the new type of rural financial institutions,rural banks in the process of operation inevitably has some problems,such as lack of funds,settlement channel is not smooth,target orientation from the "three rural" financial products obsolete,but also by many restrictions and effects of rural financial ecological environment is not perfect.In this paper,based on the rural financial ecological perspective,starting from the current development stage of China's rural banks,using SWOT analysis method to analysis model and the domestic and foreign rural bank successful case,puts forward relevant countermeasures and suggestions for the future development of the rural banks in our country.Based on the rural financial ecological perspective,and further optimize the development of rural banks in China from three aspects: the coordination mechanism between rural banks,rural banks itself the financial ecological environment,rural banks and other entities within the system of financial ecology.Finally,the paper summarizes the conclusions of this study,points out the deficiencies and prospects for future research.