The Resetting Of Village Banks Development Mode From The Perspective Of Commercial Franchise Of Bendigo Community Bank

Although the appearance of Bendigo community bank is relatively later and it have developed only less than 20 years,the expansion speed of the scale,good profitability and community contribution reflect that commercial franchise mode has made remarkable achievements and become a successful mode of community banks development.This essay aims to build a development mode of village banks with characteristic of our country on the basis of the comprehensive and in-depth analysis of the operation of Bendigo community bank by combining the developing predicament of village banks,so as to demonstrate the feasibility of commercial franchise mode in village banks and draw lessons from the successful experience of Bendigo community bank,which can promote village banks having a sustainable development under the principle of localization,privatization and specialization.Chapter ?:In order to have a better understanding of the commercial franchise mode of Bendigo community bank in Australia,this chapter mainly introduces the basic theory of commercial franchise.Firstly,the concept of commercial franchise is expounded.Secondly,the legal characteristics of commercial franchise are analyzed.Lastly,the development status of commercial franchise in China is summarized.Chapter ?:This part analyzes the operation mode of Bendigo community bank deeply.First of all,it describes the history background of Bendigo community bank,the emergence of the first community bank and the development of community bank in Australia.In addition,it introduces the operation of Bendigo community bank from the perspectives of the procedure of establishment of community banks,the franchise agreements between Bendigo Bank and community banks,equity structure and corporate governance of community banks.Finally,this paper analyzes reasons of the success of Bendigo community bank from the standpoint of Bendigo Bank,community bank,community and shareholders.Chapter ?:Firstly,this part summarizes the basic situation of the development of village banks in China.Secondly,it analyzes the predicament of the development of village banks and puts forward the necessity of adopting commercial franchise mode in village banks.Finally,it demonstrates the feasibility of adopting commercial franchise mode from the point of the coupling between Bendigo community banks and village banks and the advantages of adopting commercial franchise mode.Chapter ?:This part builds concrete system of commercial franchise development mode of village banks by summarizing Bendigo community bank development experience and combining with characteristics of village banks on the basis of the previous three parts.Firstly,the legal status of commercial franchise in village banking system should be determined by legislation,and relevant laws should be perfected to provide a favorable legal environment for commercial franchise.Secondly,it puts forward the franchise activities of chartered bank shall obtain the administrative licensing from the perspective of the market access of chartered banks.Meanwhile,a set of fixed screening standard of chartered bank should be gradually established to prevent the inferior quality of banks5 entrance to the rural financial market from destroying the stability of the rural financial system.In addition,from the aspects of the franchise agreement,equity structure,corporate governance,legal responsibility and social responsibility,it proposes suggestions for village banks to improve and perfect after adopting commercial franchise mode.Finally,in view of the adverse effects because of the influx of a large number of private capital,it puts forward the necessity to improve the regulatory laws and regulations as well as build a differentiation supervision system.The writing method in the process of writing are as follows.First of all,the literature research method which runs through all parts of the paper is the main research method.Secondly,commercial franchise is a concept in economics,and thus it may involve the knowledge of economics inevitably when discuss commercial franchise theories.That is,this paper will use interdisciplinary theory study methods to find the corresponding theoretical support from different disciplines.Finally,this paper will use the method of data analysis to explain the related problems to enhance the persuasion of reasoning.