Explore The Development Path Of Rural Banks In Xinjiang Production And Construction Corps

Establishment of village banks effectively support the local economy, easing the shortage of Xinjiang regional capital of the status quo, but also to meet the increasingly diversified demand for funds. But the current situation facing the Xinjiang regional rural banks in the business development process is a single means of financial services, the lack of economies of scale, Xi Chu difficulty, social credibility is not strong, the total amount of financial accounting is too small, difficult to participate in the same competition, the State against preferential policies for rural banks is unclear, market positioning has deviated from the purpose of agriculture and other practical problems. In this context the paper by understanding the basic status of Xinjiang regional rural banks focus on analyzing the development environment of Xinjiang regional rural banks, market positioning, governance structure, business model, noting Xinjiang regional rural banks operating problems and development The reason for this, and then make policy recommendations.Paper is divided into six parts. The first chapter is the introduction, the article focuses on the structure and ideas were elaborated. The second chapter discusses the necessity and significance of the establishment of village banks. Pointed out that the establishment of village banks regulate the rural financial market, ease the " blood " of problem financial institutions in rural funds, an increase of healthy competition. The third chapter is the environmental analysis and market positioning Xinjiang Development of regional rural banks. Xinjiang regional rural banks on the operating environment for analysis, such as natural and economic environment, cultural environment, credit environment, external environment and financial payment policy environment, from three angles to the main competition, customers, products and other rurals and villages on the banks of the market positioning. The fourth chapter is a rural bank Xinjiang regional governance structure analysis, the Xinjiang regional rural bank ownership structure, manpower structure analysis, and pointed out the Xinjiang regional rural banks in the corporate governance structure of the problems. The fifth chapter is the village bank business model analysis, especially for the model focuses on lending. Chapter VI describes the improvement from the policy level to optimize the credit environment, increased government funding support, the importance of strengthening rural financial regulation, policy recommendations to promote the healthy development of village banks.The results of this study considers Xinjiang regional business development aspect of rural banks constrained by the external environment, on the other hand has affected their governance structure and business operations. In order to ensure the healthy and stable development of rural banks, must be integrated into the external environment, market positioning, governance structure, business model various factors. Not only to actively seek policy support, and need from their own reality, the development of governance structures and business models for their own development, innovation and their own external policy support mechanism is the only way for the development of rural banks.