Study On The Problems And Countermeasures Of The Development Of Village Banks In Yunnan Province

Agricultural development is the foundation of China’s economic development and the fundamental guarantee, effectively solve the " agriculture-countryside-farmer" problem is vital for China’s socialist modernization construction, so the state concern to the problem of agriculture, rural areas and farmers is increasing day by day. Countries all relevant departments launched a number of measures to rural economic development and at the same time, also need to consider the financial difficulties faced by the rural development issues. Although China’s financial industry is relatively basic can meet the requirements of economic development, our country’s existing policy Banks, state-owned commercial Banks, joint-stock commercial Banks, postal savings bank of China and many foreign Banks, but in the face of the bank financing, agricultural and rural development, consider more is the issuer’s own economic strength and the ability’ to repay, so countries in the financial aspects of the rural supply has become one of the bottleneck which restrict the development of the " agriculture-countryside-farmer ". and seriously hindered the advance of the agricultural development and rural prosperity in our country, the problem of rural development facing the financing becomes the focus of academic circles and related departments.Since2004. central government pay more and more attention to problems of rural development, every year central government’s "Document" emphasizes the "agriculture-countryside-farmer " problems, and further discusses the financial problems faced by rural development."The central committee of the communist party of China. The State Council of the People’s Republic of China further strengthening rural work improving agricultural comprehensive production capacity of several policy advice, looked at (2005)(1) and" the central committee of the communist party of China, the state council on promoting the construction of new socialist several opinions (found (2006) no.1) file is put forward to encourage financial institutions to set up a variety of system of ownership in the county community, vigorously foster microfinance organization, the requirement of the development funds to guide fanners mutual aid organization. Adjustment at the end of2006. the China banking regulatory commission issued a "about better ease rural banking financial institutions access policy support of the new socialist rural construction", the China banking regulatory commission "opinion" released to through the continuous reform of rural finance and good development to solve the problem of "agriculture, rural areas and farmers" provide strong financial security. The appearance of village Banks to a great extent, points the way for the rural financial development direction, village Banks as an important part of the new type of rural financial institutions, it can broaden the rural development need financing, optimizing the reasonable structure of rural financial market system, to form a diversified and competitive rural financial system and rural health development have made outstanding contributions. Due to the slow economic development in Yunnan, imperfect financial market and "agriculture-countryside-farmer" problems, the shortcomings for the development of village Banks in yunnan province. This article is on the development of rural finance development theory and research in Yunnan village banks.Based on theoretical analysis and survey data of rural banks and foreign successful experiences, on the development of village banks in Yunnan, I make recommendations and measures.