The Development Of Rural Banks Difficulties And Countermeasures In Our Country

Perfect rural financial market can absorb rural surplus funds,provide adequate security for the rural modernization construction.But in the existing rural financial market,large commercial banks gradually withdraw branches at the county level and below,"take off the farmers" tend to be serious;Copy of the original financial products,product form a single,ignore the characteristics of rural areas needs;Service focused on leading enterprises or ZhongYangShi large,ignore most of the small and medium-sized enterprises and individual farmers.The problens of shorting banking institutions and financial products singal have seriously affected the construction of agricultural modernization in our country.To solve the shortage of rural financial institutions,financial shortage and so on,to promote the development of agriculture in our country,in December 2006,the China banking regulatory commission issued "on the adjustment to ease rural financial institutions with banking access policy,better supporting of the new socialist rural construction",started in six provinces such as hubei,sichuan,jilin rural areas to set up rural banks pilot.As of June 2015,the country sets up rural banks approved by 1203.Rural banks is mainly establishing by the domestic and overseas financial institutions,the domestic natural persons and non-financial institutions within the territory of enterprise as legal person,mainly servicing for "agriculture,rural areas and farmers".The establishment of rural banks vacancies on the rural financial services,increase financial support for rural areas,promote the competition of rural financial institutions.But at the same time the rural banks are still having some problems: as a newborn thing,rural banks lack of social credibility,deposit-taking ability is limited;Financial products mostly copied launched a line of business,lack of characteristic;The establishment of rural banks and equity structure have relatively strict set up,private capital to enter;To set up the area is relatively remote,limited ability to attract talent and so on.This paper through the description of the development of rural banks in our country,and combining the operating effectiveness analysis of huixian pearl river rural bank,summed up the huixian pearl river rural bank sets up and the development of the impact on the local agricultural economy,points out the factors affecting the agriculture productive,and puts forward the corresponding countermeasures.Then puts forward in the development process of Chinese rural banks are faced with the problem in the internal management and external environment,such as lack of special financial products,does not match the talent team construction and development,the lack of rural credit environment,village and town bank credibility problem such as low and policy support are not in place,etc.Based on the analysis of the effectiveness of the operation of rural banks in China,then puting forward some countermeasures to the problems existing in the rural banks: strengthen the propagand and the cooperation with government,enhance their own credibility;Try to improve the mechanism of talent introduction and cultivation,optimize personnel structure;Introducing private capital reasonably,building diversified property rights structure;To speed up the payment system,vigorously developing intermediary business and credit guarantee business,strengthen financial products innovation;Improve the internal and external supervision system,strengthen financial supervision and regulation;Expand the scope of collateral,and strengthen government support.