Research On Sustainable Development Of Rural Banks In China

China’s rural financial system is a dual financial structure. Rural financial problems faced by two aspects, one is the development of rural financial organization system lagging, rural funds to the cities "siphon effect", a serious shortage of supply of rural financial; the other hand, the formal rural financial institutions, credit rationing, cannot meet the diversified financial needs in rural areas, inefficient financial supply. The goal of China’s rural financial reform is to meet the diversified financial needs, improve the rural financial functions. China’s rural financial reform is taken and the way the stock reform and incremental reform of the two paths. The village bank is a major institutional innovation of the Rural Finance "incremental reform". The establishment and development of rural banks to break the rural credit cooperatives,"one" patterns of rural financial markets, foster the development of competitive rural financial market order. Rural banks in China has entered a phase of rapid development, the reality is significant.The typical example is China’s rural finance sustainable development, the township the National21000and24000of village-level rural cooperative funds were all closed in1999, mainly due to unclear property rights, poor management, excessive government intervention, the lack of effective supervision and a large area of payment risk.Starting from the village bank is a major institutional innovation of rural financial reform, to discuss the nature of the village bank, the nature of the village bank, including the content and market positioning. Discuss the characteristics of village banks, small banks and the resulting advantages and disadvantages. The above discussion has laid a sustainable development on the basis of the village banks. Investigated the status quo of the development of the rural banks and then, on the one hand, the overall summary of village banks sustainable development of the general problems facing the other hand, mainly through the typical analysis. The crack problem, the idea is borrowed from two unique development model, inspired thinking, and finally draw conclusions and make policy recommendations on the problem to solve rural banks. The specific content of this paper consists of five parts:The first part of the introduction, including the background and significance, research and evaluation, this article thinking framework and research methods, this article may be innovative and weaknesses.The Second part, include the nature and characteristics of the village banks. The nature of the village bank, including two important ways.Firstly, the connotation of the village bank, and the connotation of the village bank is a new type of commercial operation, set up in the area of the county, not the payment of foreign loans a legal personality of commercial banks. Secondly, the market position of village banks. Village banks "small bank" has the characteristics of three significant advantages. They are independent legal entities, business chain efficient and focus on local business. Sustainable development appraisal system, including property rights and corporate governance, business operations, risk management, rural finance environment supports four parts.The Third part, include Development status and the problems of the village bank. The first section based on the establishment of village banks to investigate the status of village banks.Section Ⅱ is to analyze village banks sustainability problems faced by the problem, there are two, one is the business of the village banks, mainly in the deposit and lending business, the second class of problems is restricting the development of rural banks in the external environment issues, including access system, the rural financial environment and risk management.The fourth part of the typical case study, drawing on two typical cases, inspired thinking to solve the problem of rural banks to find a realistic solution to the problem overall idea.Part V of the conclusions and policy recommendations. Policy recommendations, including deposit and lending business, access system, the rural financial environment and risk management of three parts.