Development Research Of Qingcheng Jincheng Rural Bank

With China’s economy improving, financial enriching the concept of continuous infiltration of the economy, the development of good financial situation in the country, various financial institutions and companies continue to set up, such as small loan companies, unions and other funds, rural banks are in a special class of financial institutions rising under this environment, it is intended to solve the urban and rural finance support, and promote competition in the financial market towns and rural diversification, support for urban and rural economic and social development. March2013is the Chinese rural banks just over6years of development time, from March2007the country’s first rural bank-Sichuan Yilong Huimin rural bank opened, rural banks have been expanding, according to CBRC(China Banking Regulatory Commission) data, as of April2012, a total of749rural banks established, which opened in681, to build68. An average of six years, nearly11rural banks opened in a month. Opened rural banks with total assets of265.3billion yuan,175.8billion yuan deposits, loan balance of151.1billion yuan, rural banks in the market positioning, capital structure, regional distribution, improve the financial system, and actively guide personal funds have certain advantages, has been China’s financial development has made some contribution. But in the actual development of rural banks, there are still part of the problem, such as capital restrictions, size and proportion of deposits and loans, market access system defects, fewer outlets, weak competitiveness, social awarenessless, inadequate government support, single financial product, etc. This thesis will take the bank of Lanzhou as the initiators of the establishment of the Qingcheng County Jincheng rural bank as an example, through the perspective of the analysis of Qingcheng rural banks faced in the development of weaknesses, opportunities and future challenges of the future rural banks the gradual development of exploration, to propose a solution Qingcheng rural banks on the basis of business development with equal emphasis on risk prevention and sustainable development.