The Study Of Ruralization Of Village Banks

Ruralization of village banks in this paper refers to taking villages and communities as the main service areas,taking local farmers and small and micro enterprises as the target customers,meeting the diversified financial needs of customers through comprehensive use of various innovative and reform means,and ultimately realizing the policy objectives of village banks rooting in the countryside,serving agriculture,rural areas and supporting small and micro-enterprises.The following characteristics.One is the sinking of services,the other is the diversification of products,and the third is the village-based business outlets.However,the village banks themselves have the requirement of profitability,which aims at maximizing profits.At the same time,as an independent legal entity,the village banks should be responsible for their own profits and losses.Therefore,in order to realize the village-based operation,they also need to ensure the sustainability of their own operation,which is in contradiction with the policy-oriented operation goal of supporting small farmers,which is inherent in the village banks.This led to the deviation of the target of village banks in the process of development,and the situation of "no village and town" appeared in the village banks,which are called village and town banks and are actually in the county.How to make village banks not only achieve sustainable development,but also can not be separated from the policy goal of serving "agriculture,countryside and farmers".Based on the analysis of the current situation of 14 village banks in Jiangxi Province,this paper summarizes their experience and shortcomings,tries to find the difficulties encountered by village banks in the process of the development of villages and towns,and puts forward some feasible suggestions in view of the problems found,including:first,realizing villages by firmly basing on the regional positioning of rural areas and serving the customer positioning of local farmers.The policy objective of small support for agriculture of town banks is to promote the development of the scale of village banks by broadening the sources of funds and promoting the establishment of business outlets;the third is to improve the operational efficiency of village banks by reducing operating costs and promoting innovation and exhibition;the fourth is to reduce the risk of credit for agriculture by improving the agricultural insurance system and accelerating the construction of credit information system;and the fifth is to connect with each other.Through the establishment of a scientific talent introduction mechanism,to achieve the localization of the talent team transformation in order to achieve the optimization and upgrading of the talent team;Sixth,through optimizing the ownership structure,improve the internal and external governance mechanism to achieve the effect of improving corporate governance mechanism.It is hoped that through the above measures,village banks can better play their mission of supporting rural financial development,helping farmers to increase income and make profits,and promoting agricultural modernization and the healthy development of small and micro enterprises.