Restricting Factor In The Development Of Village Banks Research In China

At present, our country is in the great change of stage of economic development, urban and rural economic development unbalance are the main factors hindering the development of China’s economic reform, and the development of the rural economy is imperative. China is a large agricultural country, the rural areas lag behind the economic development is a problem left over by history, in recent years, with the development of economic reform in China, the rural economy has developed rapidly, but there is a large gap compared with the urban economy. China is accelerating the rural economic reform process, having a solid financial support to the rapid development of rural economy becomes necessary.Up to now, the financial institutions in rural areas of our country overall coverage is low, the problem of financial capital and service supply shortage is increasingly obvious, which restricts the development of the rural economy in the great degree. In order to solve the problems of rural financial capital and service supply shortage since the end of 2006, China has issued a relevant policies and laws and regulations, to encourage the development and innovation of new rural financial institutions, and to reduce the access conditions of financial institutions in rural areas, in the context of this era of village banks emerge as the times required. The emergence of rural banks, and further activate the rural financial market, to broaden the channels of financial supply in rural areas of our country, and improve the rural financial service system to a great extent. Throughout history, the emergence of a new thing is bound to be heavy verification can be recognized by the masses, village banks in the promotion of pilot also appeared a lot of problems, which have restricted the development of rural banks, putting rural banks to be bound hands and feet.So as the key to the future development of rural banks, it’s necessary to find out the source of the problem, from the source of governance to achieve healthy development of village banks, to play its own advantages, so as to inject fresh blood into the economic development in rural areas, reflected in the value of their own.This paper consists of five parts.The first part mainly introduces the domestic and foreign scholars, research status of related content, as well as the methods and innovation points of this research. The second part, mainly defines the nature of the village bank, and the village and town bank ownership structure, characteristics of regional management are introduced. The village and town bank launched the rural bank classification line type, and the purpose of establishment of village banks analysised. Results are given based on the comparation between village banks and rural financial institutions.The third part, through the analysis of the development history and the current situation of the development of rural banks in our country, definites the current situation of the rural banks in China, and carries on the analysis from the ownership structure, staffing and access to credit information system and other aspects of the existing problems of rural banks, puts out the practical problems about rural bank down to earth.the actual problems of grounded understanding of village banks.The fourth part detailed analysis the internal factors and external factors of village banks, finds out the factors restricting the development of rural banks. Taking two representative rural banks in Dongying city,Shandong province as an example, analyzes the development statusits since their beginning of establishment,the existing problems, analysis the current development of rural banks in our country with combination of theoretical and practical.The fifth part puts forward the corresponding countermeasures and suggestions to promote the healthy development of rural banks.