Study On The Commercialization Reform Of Rural Credit Cooperatives In Hunan Province

At present,there are still a series of problems in China's rural financial development: farmers have low income levels,slow growth and inadequate supply of rural financial markets,Lack of services,monopolistic operations,and imperfect systems.The problem of outflow of funds from rural areas and difficult loans for farmers has seriously affected China's agricultural structural adjustment,industrialization upgrading,and sustainable development,and has hindered farmers' increase in production and income.As an important part of new-type rural financial institutions,VTB is an innovative move to solve financial problems in rural areas.The village and town banks have provided strong financial leverage support to promote the economic development in rural areas,promote the continuous reform of rural finance,and solve the “three rural issues”.This paper first introduces the definition,characteristics and theoretical basis of the development of villages and towns in China.Secondly,it analyzes the development of villages and towns in Hunan Province,including the development scale,distribution area,And the status quo of the village banks in Hengyang City,Hunan Province,from the establishment of the situation,the size of the registered capital,the scope of the main business,the scale of development and the service of "three rural" situation;based on the analysis of the status quo Hengyang City,The existing problems of positioning deviation,unreasonable ownership structure,risk control issues,capital structure and other major issues;Thirdly,on the basis of the successful experience of Bangladesh,such as "Grameen" Bank,American Community Bank and Yi-bin Xing-yi of Village Bank in China,the development of villages and towns in Hengyang City has been related.Personalization of products and services,internal supervision in place,give full play to the functions of the government;Finally,including a reasonable market positioning,and actively improve the corporate governance mechanism to strengthen the village bank's risk control system,broaden the sources of funding and other proposals,the article The present situation,problems and countermeasures mentioned in this paper have a certain significance in promoting the development of villages and towns banks in Hengyang City of Hunan Province.