Study On The Sustainable Development Of Village Bank In Ordos City

"The problem of agriculture，rural areas and farmers" is one of the most importantproblems in China’s economic and social development，The core to solve "The problem ofagriculture，rural areas and farmers" is to provide the financial services of rural andpastoral areas，Contrary to lack of finance supply for a long time in the rural and pastoralareas，CBRC launched the rural and pastoral area finance incremental reform in2006，And proposed the establishment of rural banks and other new-type rural financialinstitutions in rural and pastoral areas. From the area’s first rural bank was established inOctober2008，The number of Erdos’ rural banks have been ranked first in the InnerMongolia Autonomous Region，So far，15rural banks have already been start business.Establishment of rural banks not only increases the finance supply channels for rural andpastoral areas effectively，rich in rural and pastoral areas’ financial products，but alsofurther strengthen the sense of competition of Erdos’ financial services. As a novelty，ruralbanks have some problems restricting their capacity for sustainable development inevitablyin the development process，and only rural banks themselves achieved sustainabledevelopment，then can solve "The problem of agriculture，rural areas and farmers"effectively，and support regional economic development better.Therefore，this paper uses empirical analysis，combination of qualitative andquantitative analysis methods after investigation and research，Describe the economic andfinancial environment for Erdos’ rural banks development，The history and present statusof Erdos’ rural banks detailed，Then using the factor analysis method to evaluate thesustainable development capacity of rural banks，And put forward the main factorscontrolled sustainable development of Erdos’ rural banks is the support of localgovernment is weak，market positioning errors，corporate governance structure is notperfect，limited sources of funds，lack of professional personnel，have a high credit riskand a great systemic risk. And according to these factors put forward seven aspectscountermeasures to promote the sustainable development of Erdos’ rural banks from policysupport，clear the positioning of market，improve the corporate governance structure，broaden the sources of funding channels，improve the quality of personnel，Creditsupplement and systemic risk dispersed mechanism. Hope to have the instruction functionto the practice.The full text is divided into six parts. The first chapter is the introduction part， mainly introduces the background，significance，research at home and abroad，the researchcontents，research methods and the possible innovation and deficiency；The second chapteris theory basis，mainly introduces The concept of rural banks，The relevant provisions ofthe establishment and operation of the rural bank Formulated by CBRC，and the theory ofits sustainable development；The third chapter is the analysis of the developmentenvironment and status of Erdos’ rural banks，Elaborated the economic and financialenvironment for Erdos’ rural banks survival and development，The establishment，operation and achieved positive results of its rural banks；The fourth chapter is thecomprehensive evaluation of sustainable development of Erdos’ rural banks，Select24indicators，Quantitative evaluation of sustainable development capacity of15rural banksusing the factor analysis method；The fifth chapter put forward seven factors restricting thesustainable development of Erdos’ rural banks；The sixth chapter puts forward somecountermeasures to promote the sustainable development of Erdos’ rural banks.