Study On The Capital Structure Optimization Of The Bank Of Village

In order to provide financial support for rural economic activities,China started the pilot work of rural Banks in December 2006,drawing on the development experience of other countries.Due to the late start,small capital scale,small capital supplement channels,weak capital management ability and the pressure of declining asset quality,the capital adequacy ratio of rural Banks is threatened.Whether the capital structure is optimized has become the focus of banking operation and management.The optimized capital structure of Banks can not only prevent financial risks,but also improve the operating efficiency of Banks and enhance the effect of bank corporate governance.The study on the optimization of capital structure of rural Banks is of great significance for the healthy and long-term development of new rural financial institutions in the new era.This article first introduced the commercial bank capital and related concepts of the capital structure of the commercial Banks,on this basis,starting from the present situation of village Banks in our country,this paper introduces the village Banks in our country's capital structure,ownership structure,capital adequacy and risk index,etc.,then selected the typical villages and towns bank,xiangxi prime village Banks,through the analysis of its capital in September 2014-2017 data and operation data on its capital structure present situation and the characteristics are analyzed in detail,and the SWOT analysis of xiangxi prime town bank capital structure,Finally,according to the above analysis,the general Suggestions for optimizing the capital structure of rural Banks are obtained.Specific conclusions can be summarized as follows: 1.The capital supplement channels of village Banks are narrow,the operation mode is extensive,the profit channels are single,the capital structure optimization and the operation ability influence and interact with each other.To optimize the capital structure,the village Banks need to adjust the business structure and expand the intermediate business income.2.The ownership structure of village and town bank of concentration or overly dispersed,registered capital of smaller,lack of ability to resist risk,adverse impact on the operation and management,in the form of village Banks can increase endowment spread continuously adjust the equity structure,expand the registered capital,equity structure and equity and better serve against operationalrisks and enhance management ability.3.Village Banks because of its extensive development,the early stage of the bad assets,the capital have erosion,village Banks need to strengthen quality management of assets,to establish and perfect effective internal control mechanism,in order to control the risk of new loans,collect non-performing loans at the same time,reduce the non-performing loan ratio,reduce erosion of the non-performing assets to capital.