Study On The Improvement Of The Legal System Of Rural Banks In China

The emergence of rural Banks to some extent alleviates the urgent need for funds of "rural staff",which is an innovative move of the banking industry.However,while undertaking social responsibilities,rural Banks also encounter various obstacles that directly restrict their survival and development,among which the imperfection of legal system is a very important cause.The interim provisions on the management of rural Banks issued by the CBRC in 2007 have been continued to this day,and there has not been a draft of a higher legislative level and a more advanced legal concept for more than a decade.The market access threshold of rural Banks is higher than that of community staff.The internal control of village and town Banks is not sound;Alienation of supervision and execution of rural Banks;The merger and acquisition procedures of rural Banks are not clear;The mortgage of farm tools,homestead and land contracting and management rights is only a few times,and the amount of farmers' operation according to this regulation is very small when the mortgage loan is actually made.There are many defects in the relevant agricultural insurance system and deposit insurance system,and more scientific ideas should be adopted to provide assistance for the healthy growth of village and town Banks.These problems need to be solved as soon as possible.The author takes the form of field survey to study the status quo of living environment of rural Banks in local,understanding of the China banking regulatory commission for the regulation of village Banks and the improvement measures,summed up the bank the reasons for these problems,and draw lessons from the American experience of small bank,Bangladesh,Australia,put forward the perfection of legal system,embodied in: reduce the threshold of market access,implement the strategy of local shareholders;Borrowing from professor yunus' s "poor man's bank" system to regulate credit risk;To construct a more scientific corporate governance system by referring to the equity community model of Australia;The formalization of supervision and implementation should be resolved as soon as possible.We will strengthen the refinement of the deposit insurance system to ensure its steady development.