Study On The Legal System Concerning China’s Market Access For Rural Bank

By the end of2006, our country implemented the new rural financial reform, and relaxed admittance policy, which make rural banks and a number of new rural financial institutions emerge as the times require. Access system is the first barrier that a rural bank access rural financial market, it will provide the effective system to prevent risk and ensure stable operation which establish and improve the access system for rural banks. The article describes the rural bank’s market access system basic theory on the background, the legal nature and the connotation of admittance system firstly, point out the importance of wide-admittance policy, and analysis the rural bank access system’s economics theory and the legal science theory, which lays theoretical foundation for the further research.The article thinks that rural banks access system shall include qualification, registered capital, business norm, practitioners from four aspects. For these access content, Rural Bank Management Interim Provisions and other documents are required, but we are lack of relevant experience, together with the existing normative documents are in the stage of exploration, and the introduction of more haste, there exist deficiencies. Among them, on the main sponsor of qualification, it had strict restriction that qualification and different initiating main stake, restricting the development speed of rural banks, also make different promoters in unfair competition status; in the registered capital, the low limit setting incompatible with scale economy, also don’t in favor of rural Bank’s steady sustainable development; in the business management, rural banks can’t be smoothly business types as rules and regulations stipulated in the widely; in practitioners, ignored the rural Bank on the special needs of talents, and there are lack of general practitioners qualification. In view of the above problems, I will analysis one by one, and draw lessons from the foreign country’s beneficial attempt, made some improvement ideas. The article suggest proposing equity relative centralized mode on the shares structure and building system which have diversity invest main body; Increasing the amount of registered capital, exert its scale effect; Increasing national policy support in business, make its business smoothly; refining and perfecting the examination content of personnel access system.