Research On The Optimization Of The County Bank System In Hubei

The county is the most basic administrative unit in China and is the focus of regional research.From 2014 to 2016,the proportion of Hubei's county economy to the total economic output of the province has reached more than 60%,and county economic development cannot be ignored.As the main body of county-level financial institutions,banks are the main source of county-level development funds.Therefore,optimizing county-level banking systems has important strategic significance for county-level economic development.Over the years,China has attached great importance to the development of the county-level banking industry.In 2009,the Ministry of Finance issued the Interim Measures for the Administration of Fiscal Agricultural Financial Institutions at the County Level,and set subsidies for county-level financial agricultural loans at the institutional level.In 2015,Deng Zhiyi,Director of the Hubei Banking Regulatory Bureau,proposed to restructure the Hubei county financial system through"three coverages and one increase" within two to three years.Hubei is located in the central region,and county-level financial development started relatively late.After the shareholding system reform,commercial banks have gradually shifted their development focus to the cities.The development of county-level finance shows a situation of "poor poverty and weak accumulation".Under this circumstance,clarifying the status quo of development of the county banking industry in Hubei,finding out the existing problems and finding solutions and optimization paths has important strategic significance for promoting the rapid development of the county economy.In order to achieve the above-mentioned goals,the research goal of this paper is to find out the problems existing in the county banking system at the same time,and propose corresponding solutions and optimization programs.Therefore,this paper collects relevant data from the "Hubei Finance Yearbook","County Region Financial Yearbook" and Hubei Banking Regulatory Commission's website,and makes a general description of the Hubei county banking system and proposes an optimization method.In addition,this paper selects three representative counties in the counties of Hubei Province,and empirically analyzes the contribution of the county's county banking industry to the economy,and quantitatively analyzes the relationship between the two.This article draws the following main conclusions:1.The county economy develops rapidly,and the county banking industry has insufficient support for county economic development;2.The county level banking system in Hubei is insufficiently developed,and various types of commercial banks have not played their due role;3 With the increase in the degree of economic development,bank loans have a diminishing marginal utility in driving the efficiency of the county economy.According to the conclusions,the following policy recommendations are obtained:1.Improve the county banking system,and actively guide the development of county commercial banks in the direction of the county;2.Strengthen and improve the supervision mechanism of the county banking industry and rationally configure supervision resources;3.County banks should be based on counties The actual situation of economic development establishes reasonable credit rules.