Research On The Development Of Rural Banks In Jilin Province

The rural bank is a new type of financial institution.It is a kind of banking and financial institution established in rural areas by relevant governmental departments,aiming at expanding the function of financial institutions,serving agriculture in a better way,promoting the reform of the rural financial market system and expanding the resource channels of small and medium-sized enterprises.The establishment of banking institutions in rural areas plays a vital role in the development of rural economy and the stability of rural financial markets.Jilin Province develops the rural bank and conforms to the law of economic development.The development of rural banks is of great significance to expand capital financing channels,lower the loan threshold of small and medium-sized enterprises and farmers,integrate rural financial market and build a good rural financial system.Under the guidance of Central First Document and other national macropolicies,it is conductive to help meet the farmers' diversified demands of financial products and services and promote economic development of the county.And with the implementation of the comiling work of 13 th “Five Year Plan” in Jilin Province,Jilin has high higher requirements of the expectations and goals of financial sectors.Therefore,it is necessary to study the development of rural banks in Jilin Province.In the paper,the author mainly researches the development of rural banks in Jilin Province,and the main contents are as follows.The first part is the introduction,mainly introducing the writing background,purpose and significance of this study,the main content,research methods and innovative points of the research.On the basis of consulting a large number of domestic and foreign literature,the author reviews the development of rural banks.The second part is about the relevant concepts and theoretical basis of rural banks.The author mainly expounds the definition of rural banks andreviews relevant theories of rural banks,including rural financial theory and financial sustainable development theory and financial symbiosis theory.The third part tells about the development status and characteristics of rural banks in Jilin Province,the main problems and causes.The fourth part expounds the experience referenceand enlightenment of the development of rural finance in foreign countries.The fifth part is about the countermeasures and suggestions to promote the healthy development of rural banks in Jilin province.Based on the analysis of the development status,characteristics and existing problems of rural banks in Jilin Province,this paper makes a study on six aspects,including the orientation of rural banks in Jilin Province,optimization of industrial structure,financing channels,business innovation,human resources management and risk supervision and management.Besides,the author summarizes the whole paper and draws the conclusion of the paper.