Research On The Development Of Rural Banks In Changde City

As the state of the problems of agriculture, rural areas, farmers the increasing attention, the rural financial problems have become a hot academic and managerial attention. Since2004, in order to promote the development of rural economy, every year the central "document" in the rural financial problem repeatedly and continuously evolving, hope that through continuous reforms to encourage rural finance and good development to solve the "three rural issues" to provide strong financial leverage. However, the development of rural finance is still very weak strength, has a series of problems:the farmer income level is low, growth is slow, insufficient supply of rural financial markets, service failure, monopolistic business, system is not perfect. The outflow of rural capital and the difficulty in loans to farmers serious influence our country agricultural structural adjustment, industrial upgrading and sustainable development, hinders the farmers increase production. As an important part of the new type of rural financial institutions, rural banks is the innovation to solve the financial problems in rural areas.By proceeding from the actual situation in our country, with the city of Changde village bank as the main object of study, through field research, have a certain understanding of objective factors on the geographical position of Changde, geographic conditions, economic and social development level, and the use of financial deepening theory, financial innovation theory, financial symbiosis theory, theory of sustainable financial development the Changde city village banks to establish the basic situation, financial ecological assessment of the situation, the village bank organizational structure, credit status, assets scale and growth rate, loan size and growth rate, the loan structure were studied, found that there are currently Changde city the development of village banks in question is:one is business innovation ability is insufficient; the two is the bank scale is small, competition, survival difficult; three is the human resources is weak, difficult to absorb the outstanding talents in finance; four is the lack of effective internal control mechanisms, internal management system is not perfect:the five is the development of the foundation is weak, the shorter time; six is due to limited funds and government support the propaganda, smaller; seven is the business networks less, trans regional business difficult customers. Through the successful mode of international bank villages and towns of the experience and lessons, in order to solve the problems are proposed including:Innovation of financial products, diversified financial services provided; two lower threshold, expand financing channels; three pay attention to the construction of personnel management system optimization; four, improve the management level; Acanthopanax policy support; six step up publicity; seven business shop. It has theoretical and practical significance for the development of Changde rural bank.