Our Country Bank And The Research Of Its Consummation Countermeasures

Our country rural economic has been devoid of effective financial support for a long time, farmers, small and medium-sized enterprise in face of financing difficulties. In order to break up the rural financing problems, with the pace of building a new socialist countryside, a series of rural financial reforming measures have been carried out in an orderly way. By the end of2006the banking regulatory commission issued a rural banking financial institutions admittance policy, our country bank begin to land on the stage of history as a new banking financial institutions. The country bank is the result of rural financial innovation, it is based on the traditional microfinance, and absorded the features of the traditional commercial banks. It has some advantages such as diversiform property right structure、simple governance structure and so on.It has developed rapidly with strong support of the national policy. But at the same time, we should also notice that various problems of the country bank begin to emerge in the process of the development. If we ignore these problems, with the passage of time, all these problems will turn into huge obstacles impacting on the development of the country bank. Therefore,It becomes worthy to study that how to deal with the country bank’s problems encountered in the process of the development and put forward the suitable consummation countermeasures for the development of the country bank.This paper is divided into five aspects:the first part, it summarizes the basic problems of the country bank, including the definition of the country bank, the characteristics of the country bank and the legal nature of the country bank. The features of the country bank include smaller property scale, specific business scope, diversiform property right structure, flexible governance structure and so on. The legal nature of the counry bank is not policy banks and not the commercial banks in general, but the special commercial bank, it can be oriented to the Chinese community banks in the future; The second part, it introduces some basic theories of the country bank briefly, including the transaction cost theory, the asymmetric information theory, the weak group theory, the financial innovation theory and the theory of the right of financial development; The third part, it mainly analyse the achievements and the existing problems of the current country bank for pointing out the thinking direction of the legal countermeasures behind; The fourth part, it mainly summarizes the advanced experience of the community bank and the rural bank by analysing the foreign similar financial institution for the revelation how to develop our country bank better; The fifth part, it put forward the consummation countermeasures of the country bank legal system in combination with discussed and studied above, mainly dissertate from three aspects, meet the profit-making requirements of the country bank, consummate the legal supervision of the country bank and prevent the loan risk of the country bank.