| Since the reform and opening up,the speed of urbanization accelerated,and rural financial resources have gathered in cities,resulting in further aggravation of the imbalance between urban and rural financial resources and the imbalance in the supply of financial resources in counties.In order to promote the rational development of county financial and optimize the rural financial structure,the CBRC has launched a new type of rural financial institution represented by village and town banks to alleviate the imbalance of financial resources,meet the demand for financial services of the "three rural areas" and promote the economic development of rural areas.Henan Province,as China's agricultural province and the central strong province,since the establishment of the first village and town bank legal person institutions in 2008,Henan Province village and town bank rooted in the county area,growing and developing,has become an important member of the "financial Yu jun." By the end of 2018,Henan Province had set up 80 municipal and town bank legal entities with total assets of more than 100 billion yuan,ranking first in the country.Therefore,this paper chooses Henan Province,which has made great achievements in the construction of village and town banks,as the study of the image,studies the difference in the number of village and town bank outlets in Henan Province,discusses the factors that influence the establishment of the village and town bank outlets,and promotes the further development of the village and town bank,giving full play to its "supporting the small and small farmers" provide policy advice,etc.Based on reference to relevant research,this paper summarizes the three courses of the development of village and town bank in Henan Province and the current development status quo of the establishment mode and registered capital by understanding the establishment of the bank network in Henan Province.And the difference in the number of outlets in different main starting banks,general branches and different regions of Henan village bank is compared and analyzed.In this paper,the village and town bank in Henan Province is the research object,the data of 105 counties and cities in Henan Province is used as a sample,the multi-regression measurement model is constructed,the difference of the number of bank outlets in villages and towns in Henan Province is studied and its influencing factors,and the linear relationship between the number of village and town bank outlets and the factors of economic development and the factors of rural financial supply and demand is analyzed empirically.The following main conclusions are drawn:(1)the number of bank outlets in villages and towns is different in the scope of provincial and county areas,and the network construction preference is in economically developed areas.(2)The main branch network is not different from the policy factors,while the branch network is driven by market factors.(3)The number of village and town bank outlets initiated by The Agricultural Commercial Bank and the City Commercial Bank is quite different,and the expansion of the off-site outlets of the Agricultural Commercial Bank and the Village and Town Bank of the Agricultural And Commercial Bank is very different.(4)The GDP,fiscal revenue,deposit balance and deposit and loan difference,and the number of other financial institutions are important influencing factors in the number of bank outlets in villages and towns.There are two innovation points(1)the innovation.Based on the perspective of difference,this paper uses the method of empirical analysis to the difference in the number of bank outlets in villages and towns in Henan Province and its influencing factors from the practical point of view.(2)Innovation of research content.As a major innovation of rural financial institutions,the study of the difference in the number of its network is also a rich study of the relevant financial institutions,but also an indispensable part of the long-term and banks. |
PDF Full Text Request