Study On The Sustainable Development Of China’s Rural Bank

A long time, rural finance has been an important bottleneck of China’s agricultural and rural economic development, and it is also hot issues that China’s solve the "three rural issues". Better support for a number of views of the new socialist countryside construction "on the adjustment of financial institutions with banking policy to relax the rural areas" after December20,2006released by the China Banking Regulatory Commission, rural banks have mushroomed in China’s rural areas. A large number of village banks in China began the construction of the building of village banks help to fundamentally change the rural financial market monopoly, absorbing multi-channel capital into the rural areas, to make up for the state-owned commercial banks "pump" blood-sucking behavior, to fill the state-owned commercial banks to exit the blank formed, to meet the diverse needs of rural financial services, to alleviate the problem of insufficient supply of rural finance so as to promote the new rural construction. Therefore, the study of the sustainable development of the rural banks is of great significance for China’s socialist new rural construction.This paper is divided into five parts. The first part of the research background and significance, as well as research status; second part of the combination of rural banks and concepts defined discusses the theoretical basis for sustainable development of rural banks and realistic basis; third part of the analysis of China status and problems of sustainable development of rural banks from deposits and loans, rural banks approved capacity for sustainable development to explore the status of the development of village banks and deposit and lending business, access system, rural financial environment, risk management and corporate governance in five aspects of the problems of sustainable development of China’s rural banks; fourth part, the part of the focus of the article.On the basis of the above analysis discussed, the author proposes to promote the sustainable development of China’s rural banks countermeasures and suggestions.