| "Rural,Agricultural and Peasant" is one of the most important and representative issues facing the Party and the government to implement the shared development.Establishing a sound rural financial system to enable the vast rural masses to enjoy financial services can effectively promote the development of rural areas and the implementation of the concept of shared development.Rural banks are financial institutions established in rural areas,which provide farmers with the availability of financial resources.At the same time,due to the development of rural banks,other rural financial institutions have also been reformed to compete moderately with rural banks,which is conducive to the development of rural financial markets and the development of agriculture,countryside and farmers.All these are conducive to the construction of a harmonious society.If farmers can not get the support of funds,agriculture will be difficult to develop,rural construction will be difficult to complete,and farmers' income will not be improved.Under the pressure of the trend of capital flowing from rural areas to cities,the village banks are going upstream,implementing inclusive financial policies,guiding capital flowing to rural areas,and safeguarding social equity and justice in the financial field.The establishment of village banks marks the actual landing of inclusive financial policy in rural areas,represents another new process of rural financial reform,and is of great significance to the improvement of rural financial system.As a newly emerged rural financial institution,the village banks embody the value of its existence by taking practical actions.Some of the problems solved by the village banks are lack of funds,which has led to economic development.At the same time,it can also promote the construction of rural financial system and contribute to the sustainable development of rural finance.Although village banks have been developing and maturing constantly,we are still feeling the stones to cross the river for how to build village banks due to their late start and lack of experience.We need to seriously study and deal with the problems in the development of village banks.To realize the original intention of"facing agriculture,taking root in rural areas and serving farmers",enrich the level of rural financial supply,introduce new ideas constantly in the development,and guide the healthy and orderly development of village banks.At the same time,the study of village banks has enriched the financial theory and broadened the research path and methods in the financial field.Firstly,this paper expounds the connotation of the concept of shared development,combs the process and historical significance of the concept of shared development;expounds the connotation and characteristics of village banks,and finds out the characteristics of village banks in comparison with other financial organizations;analyses the significance of the existence of village banks for the realization of shared development,and points out the internal relationship between the two.Then,the development environment of village banks in Changchun area is analyzed,and the achievements of village banks in recent years are summarized;the common problems uin the development of village banks in Changchun area are summarized;and the case of Changchun Jingkai Rongfeng Village Bank as the village banks in Changchun area is analyzed by SWOT.Then,combing the development model of foreign village banks,drawing on the experience of German micro-credit analysis model,American community bank development model and Bangladesh rural mutual assistance development model;exploring the development experience of Wuhan Changjiang Village Bank and Qianguo Yangguang Village Bank.Finally,the future development direction of village banks is considered,and the Diyang model is used for analysis and discussion.Whether it should face large customers or small and micro customers,and whether it should take the road of scale or specialization.If we choose to face big customers and take the road of scale,although it will reduce the operating costs of village banks,it will inevitably lead to positive competition with other banks.In the financial market,on the one hand,due to the restriction of regional operation of village banks,their own capital strength is poor,lack of brand effect,and they do not have an advantage in competition with other commercial banks,so it is difficult to achieve a real scale economy.In addition,large commercial banks are also using technological means,financial products and services innovation to squeeze the development space of village banks to the southwest in the Diyang model,forcing them to return to the Northeast corner.Based on "agriculture,countryside and farmers",giving full play to its policy advantages,providing individualized and differentiated products and services,obtaining living space and development opportunities are the feasible development direction of village banks.As long as the village banks give full play to their unique policy advantages and rely on good management,they can also reap higher returns even without the low cost brought by economies of scale.Based on the analysis of the current situation of rural banks in Changchun and the construction experience of other rural banks or small commercial banks of the same nature at home and abroad,this paper puts forward relevant suggestions.Firstly,rural banks should be more clearly positioned in the market,carry out the purpose of establishing services for agriculture,countryside and farmers,and take farmers,micro enterprises and individual bus:inesses as their main customers.(2)Through various ways,let the masses know about village banks,establish a positive social image,enhance social recognition and broaden the sources of funds.(3)Give full play to its advantages of small scale,flexible mechanism and short decision-making chain,tailor-made sales plans for different local target customers.(4)Strengthen internal risk prevention and control,prevent and mitigate risks,and achieve sustainable development.(5)Perfect financial supervision measures,standardize their market behavior and guide sound development. |
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