Study On The Problem Of Rural Banking Development In Hunan

To solve the "S agriculture,rural areas and farmers" problems,to realize the strategic transformation of our country economy has very important significance,and the key is to solve the problem of "agriculture,rural areas and farmers" in rural areas to provide more diversified financial services and support.In rural areas to set up the bank can effectively solve the lack of rural financial services,promote the improvement and perfection of rural financial market strengthen the rural financial support.A famous national agricultural big province,the rural and agricultural economic development is still facing many problems,the lack of funds seriously restricted the rural economy development in Hunan province,in order to alleviate the financial pressure and further activate the financial markets in 2008,put forward the implementation of village Banks pilot work,by the end has built up 31 village Banks in Hunan province,2015.Found in the many years of practice,the development of village Banks plays a positive role in solving the rural problems such as shortage of funds.This article first to the development of village Banks at home and abroad practice and related theory to the overall total,definition of village Banks in our country,to study the theory and characteristics;Then embarks from the actual situation in Hunan province,the development status of in the bank is from the distribution pattern,organization,business aspects such as layout and operation analysis,and starting from village Banks present situation analysis,summarizes the development of village Banks to solve the problem of"agriculture,rural areas and farmers"meaning,generalize the current problems existing in the development of rural Banks in Hunan province,including internal governance,orientation deviation,risk control and capital structure,etc.Again,based on the analysis of the United States,Canada,Thailand and other countries on the basis of the rural financial development,actively learn from successful experience,get some inspirations;Finally,from the alignment with market positioning,and exert the functions of the government,improve regulation ability,broaden the financing channels,put forward suggestion to build risk prevention and control system,the article studies the development present situation,existing problems and countermeasures to promote the development of village Banks is great significance in Hunan province.