Research On The Development Of Ordos X Village Bank Under The Background Of Inclusive Finance

In the present situation is the decisive phase in the national effort to build China into a comprehensive moderately prosperous society,as a traditional agricultural country,rural economy is the lifeblood of Chinese economy,issues concerning "The problem of agriculture,rural areas and farmers" determine the national economy,people's livelihood,economic development and social progress.In order to solve the problems of insufficient financial supply,insufficient competition and lack of financial services in rural areas,in recent years,China has formulated and issued a series of breakthrough preferential policies to promote the sustainable and healthy development of rural finance,vigorously promote inclusive finance and step up rural financial reform,encourage financial institutions to set up new village banks in rural areas.Village banks are the core idea of fair distribution of financial resources of inclusive finance and the concrete embodiment of inclusive finance in rural areas,village banks play a great role in promoting the realization of inclusive financial system.Ordos in order to boost local economy and inclusive financial development,improve the availability and satisfaction of financial services in rural areas,improve rural financial services,reducing the cost of financial services in rural areas,vigorously promote the development of local village banks.This paper takes Ordos X Village Bank as an example,Ordos X Village Bank relies on environmental and makes its own efforts,basically achieved sustained and stable development,but the problems in the process of developing inclusive finance become more and more obvious.In order to achieve the research purposes,this paper adopts literature analysis method to sort out relevant data and literature of "Inclusive Finance" and "Village Bank",on the basis of induction,analysis and summary,analyze the theory of inclusive finance,village bank and rural finance development,through investigation and analysis to master Ordos X Village Bank of the basic information such as ownership structure,service condition,business condition,risk condition and human resource,though the method of combining quantitative analysis and qualitative analysis to calculate which is the main indicators and factors that restrict and affect the development of Ordos X Village Bank,by comparison with regulatory core indicators,Sichuan Yilong Huimin Village Bank and ETK Rural Commercial Bank,in order to discover the factors that limit the development of Ordos X Village Bank,such as unclear market objectives and positioning,unreasonable ownership structure,low social awareness,lack of marketcompetitiveness,poor risk prevention and control ability,high-quality professionals are in short supply and it is difficult to implement the inclusive financial policy which have severely restricted it's development,and at the same time put forward reasonable suggestions,such as based on the concept of inclusive finance,ensure reasonable equity ratio,strengthen publicity,create characteristic operation,make use of financial technology,improve the ability to prevent and control risks,cultivate professional employee and optimize the external environment,which can provides certain reference and guidance for the development of Ordos X Village bank.In the context of inclusive finance,how to develop well and quickly has become a major problem that needs to be solved in the process of development of Ordos X Village Bank,Ordos X Village Bank should rooted in rural areas and provide local services,take "The problem of agriculture,rural areas and farmers" as a development goal,become a local inclusive financial institutions who can truly extend services to rural areas and based on "The problem of agriculture,rural areas and farmers",not only can contribute to local economic development,but also can help new vitality into financial services in rural areas.