Study On The Legal Regulatin Of Country Bank In China

With the deepening of China's financial reform, the four major state-owned commercial banks, such as ICBC,ABC,BOC,CCB, revoked it's institutions from county. While each big shareholding commercial bank is committed to satisfy the High-end clients'demand, and ignored the financial needs of countryside. In rural areas, those problems such as low coverage banking institutions, insufficient financial supply, inadequate competition is very serious. In this case, our country began to promote rural financial reform, and advocate developing the rural financial market. Under the leadership of the China Banking Regulatory Commission (CBRC), a lot of country bank established. For a long time, the most main problem of China's rural economic development faced with is lack of funds, farmers and the rural SMES's financial needs are not being met. The establishment and development of country bank is not only the breakthrough of rural financial reform, but is also a key support to new rural construction of socialism. However, as a new type of rural financial institutions because of the undound relevant law system, country bank encountered many difficulties during the development process. In the hope of giving the healthy development of country bank and solving the rural financial difficulties, this paper focus on the plight of country bank and analyses the crux, then try to provide some institutional proposal from the legal point.The paper is composed of following five parts.The first part is the introduction. It summarizes the current situation of rural finance in China and the background of country bank. It points out that it is necessary to research the laws and regulations of country bank systematically.The second part is the overview of country bank. To begin with, it summarizes related existing laws and regulations of country bank, and in-depth analysis its establishment significance, the characteristics of system design, legal nature, market positioning. It points out that country bank is a kind of small commercial bank which has its uniqueness; its market positioning is support village and peasantry and pave the way for further research.The third part is the dilemma during the country bank development. It gives an overall analysis to four major problems which is faced in country bank establishment and operation. Then, it discusses the current shortcomings and defects of country institution faced, and defines the legal regulation should focus on the direction and key points of improvement.The fourth part is legislative proposal about our country bank system design. On the basis of the previous article, it firstly forward the legislative guideline which should be followed in our country bank legislationg.Then, it responds to the questions mentioned solving by legal way. It is hoping that it will benefit to the improvement of the legislation.The last part is conclusion. Based on summary of the content, it hopes to draw more Social attention, and promotes the improvement of the legislation of country bank. Finally, it will achieve the objective to push country bank forward legalization, institutionalization and standardization.