Comparative Study On The Development Of Rural Banks In China

In 2006, the CBRC release policy “Several opinions concerning the adjustment of easing rural banking financial institutions access policy to support the new socialist rural construction”, defined the rural financial market open to all social capital, foreign capital bank in China, the industrial capital and private capital to invest in rural areas, to set up new banking institutions such as rural Banks, small loan companies and rural capital support in villages and towns.The eastern developed areas has strong appeal to the real financial, together with the eastern region has a good economic foundation and social environment, village Banks in the eastern region achieves a relatively rapid development, but village Banks in the Midwest didn’t get the same effect.The paper regard rural banks as the research object, summary the related theory, including the rural financial theory, regional financial theory, providing theoretical basis for empirical research.This article analyzes the regional differences of the development of village Banks from the aspects of “the three major economic belt” and “province”. By choosing indicators of measuring village Banks development status, using the method of descriptive statistical analysis and comparison analysis, from the aspects of the number of institutions, originator, equity structure, regional distribution, service areas, the registered capital scale, business performance, etc. to explore the regional differences between the eastern, central and western three big economic belt and the provinces, from two aspects of macroscopic and microscopic, to analyze the cause of regional differences, the macro factors include regional economic development imbalance, the defect of the rural financial system, the offside and lack of government administrative functions, regional differences in financial ecological environment, the micro aspects mainly include the service goal deviation, weak industry competitiveness, capital source shortage, high risk and low profit, etc.Finally, the paper puts forward countermeasures from the government and village Banks to make rational regional differences of the rural banks, the government should coordinate the development of economic and finance, guide the government implement the preferential policy, the implementation of the difference of financial policy supply, optimize the financial ecological environment; Village Banks themselves should be clear market positioning, increase product innovation, enhance the level of internal management, optimize the equity structure, etc.