Research On The Reform And Development Of Rural Bank

Rural bank is the rural community banks that in order to solve the problem of“agriculture, rural areas and farmers”, it is also the new type of rural financialinstitutions in rural areas in our country that established to meet the local farmers,agriculture and rural economic development financial service needs. Finance is thelifeblood of the economic development, because of the consideration of agriculture,there has been problems in rural finance, such as uneven distributed financialinstitutions, low coverage, insufficient financial competition, difficult and expensivefarmer loans, which restrict the economic and social development in the rural areasand agriculture modernization. Therefore, our country has encouraged and supportedto set up the rural bank since2006.The rural bank has achieved certain success, ofcourse, it also appears many problems inevitably.How to achieve the goal of healthy and sustainable development of rural bankwhich serve the “three rural”? In this paper, through the deep analyze of the threerural banks in Jilin province that established earlier and has already got some certainachievement. On this basis, putting forward to some policy recommendations whichcan promote the healthy development of China’s rural banks, so that the rural bankscan finish the emission that better support for rural finance development, help farmers,promote agricultural modernization and micro businesses development.This article is divided into five parts, the first part is selected topic background,the selected topic significance and the domestic and foreign literature review, mainlyintroduced the domestic and foreign academic circles and the practical workdepartment about the general situation of the study of rural banks. The second part introduces the background and significance for establishing rural bank, theachievements and development characteristics of rural bank. In third part, rely on thethree rural banks in Jilin province, it in detail analysis the registered situation,deposits, loans, the profit situation of the three rural banks. Through the comparisonand analysis, put forward the experiences on the reform and development for ruralbanks in reference and the direction of the three rural banks that need to continue toimprove. The fourth part puts forward the problems that rural banks meet with, andanalyzes the existing problems in detail, which hope to find out the root cause ofreform and development of rural banks. The fifth part is mainly targeted answers toquestions of the third and fourth parts made from their own rural banks operatinglevel, regulatory measures, policy support in three areas put forward thecorresponding policy recommendations.