Research Of Issues In The Development Of Rural Banks In The City Of Tai’an

With the gradual deepening of China’s financial reform and steadily, also continued to deepen rural financial reform and advancing. In the rural financial reform is a very important part of the steady development of new rural financial institutions and growth, especially in rural banks most typical and representative. Establishment of village banks, both to meet the needs of the moment the new rural construction, but also to solve the current rural financial market loans, loans to this difficult problem, while helping to create new, can meet the immediate rural areas, agriculture and farmers need financial system. Relying on national policy, the CBRC since 2007, and actively promote the development of new rural village banks and other financial institutions, has taken a series such as advanced experience, give preferential policies and other measures, including rural banks as the backbone of the new rural financial institutions, In recent years the development, showing momentum, shape,smooth operation of the momentum achieved good development, there is a positive role can not be ignored in the service "three rural" areas. But after a period of rapid development in the future, there are many new problems in the development of village banks appear, mainly for lack of competitiveness, poor stability, sustainable development and low situation.To better understand the current development of China’s rural banks, problems and effective suggestions, we conducted a study. Following topics were first collected literature data, and data collected to sort out, but according to the literature data compilation summarizes the current research, the problem is to deepen the study of the foundation. After the problem clearly based on the existing research base: rural banks should how to locate in rural finance? What are the effective development model and operational mechanism and management methods? How to make rural banks with the reform process a modern rural financial system development and growth? Then the direction of China’s economic development combined with the reality of the environment and rural financial development,guide describes the village bank, the theoretical basis for the development of rural finance, as well as theoretical significance of village banks exist. After the present situation and the development of rural banks empirical analysis section(The concrete analysis combined with the local village Banks), respectively, in-depth analysis of the development of China’s ruralbanks internal constraints and external constraints. Finally, by combining the advanced experience of foreign countries(mainly analyzes the Bangladesh Bank, American community Banks and foreign successful cases), conducted a detail from the national policy support,financial innovation, credit system construction, rural banks to improve other aspects of self-construction, Specific suggestions put forward the development of village banks. With a view of the development of China’s rural banks to provide useful lessons.