Research On The Development Of Rural Banks In Heilongjiang Songnen Plain And Sangjiang Plain

Heilongjiang province Songnen plain and Sanjiang plain comprehensive reform program running in 2013,Heilongjiang province grain producing areas are mainly concentrated in the Sanjiang plain and Songnen Plain.Songnen plain and Sanjiang plain of 289 thousand square kilometers,accounting for 63.6% of the province,160 million acres of arable land,accounting for 90% of the total grain production in the province accounted for 93%.Songnen plain and Sanjiang plain have become the leading area of Heilongjiang's modern agricultural construction,the integration of urban and rural areas and the construction of new countryside.The implementation of this policy marks the trend of agricultural development in Heilongjiang province is the future development toward large scale agriculture,agricultural land,large-scale production,high degree of mechanization,agricultural operators increasing demand for capital,increase the demand for funds to increase the money supply.Songnen plain and Sanjiang plain modern agriculture comprehensive reform of the overall work achieved: agricultural new mechanism,explore the establishment of the farmer cooperative insurance support protection policy more perfect,the scale of the development of farmers' professional cooperatives and more support of new agricultural financial subject development.The development of big agriculture needs large funds,how to solve the contradiction between the supply of agricultural funds and the financial risk is the key to the reform of modern agriculture in Heilongjiang province.As a new agricultural financial subject of rural banks to adapt to the new environment,to adapt to the Heilongjiang province Songnen plain and Sanjiang plain of agricultural development,the supply of funds for agriculture to solve the problem,this is the key to sustainable business development.In this kind of environment,the rural banks in the Songnen plain and Sanjiang plain of Heilongjiang province have exposed more problems: in this part,the problems of rural banks are divided into internal and external problems.The limited profitability,credit quality is not high,the lack of innovation in financial products,insufficient efforts to recover bad debts are internal problems;low visibility storage capacity is weak,the high cost of funds,farmers lack of credit,higher cost of default farmers is the external problems,these problems have restricted the development of rural banks.This paper adopts literature method,empirical analysis and normative analysis method,through study and reference to the domestic and foreign research literature review,analysis research condition of Heilongjiang province Songnen plain and Sanjiang plain area rural banks now,then from the exploration and practice of community banks and rural banks to all the experts and scholars at China and abroad,the implementation of according to Heilongjiang province Songnen plain and Sanjiang plain modern agriculture comprehensive reform plan,proposed the development of rural banks' problem in Heilongjiang province Songnen plain and Sanjiang plain.In the development of rural banks on the basis of the basic theory,in order to obtain data and ensure the integrity of the research process,the samples after investigation,site search and literature review,and finally selected a total of five rural banks in the Songnen Plain and Sanjiang plain as the sample,select the 2013-2014 operating data as sample data for two years source.The data of the number of employees,business management fees,deposit size,the number of outlets as input indicators;the size of the loan,net interest income,total profit as the output indicators.Heilongjiang province Songnen plain and Sanjiang plain Empirical Study on efficiency in rural banks,through evaluation on the operating efficiency of Heilongjiang province.To find out the rural banks' difference between the efficiency of Songnen plain and Sanjiang plain,analysis of different problems in Sanjiang plain and Songnen plain and put forward different suggestions for rural banks in different regions.