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Positioning and development of village banks Direction

Author: HeYun
Tutor: ZengZhiGeng
School: Southwestern University of Finance and Economics
Course: Business Administration
Keywords: Rural Finance New rural financial institutions Village banks
CLC: F832.35
Type: Master's thesis
Year: 2011
Downloads: 560
Quote: 1
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Abstract

Rural financial reform lags behind financial development significantly faster than Pianman town, rural finance has not been well met. Network coverage in rural areas, low financial institutions, the financial supply, competition is not sufficient at this stage has become an important constraint bottleneck in the development of rural areas. For a long time, weakening of rural financial services, financial repression obvious. Rural finance and county finance is the focus of modern finance, is to achieve the CPC Central Committee proposed the urban and rural areas, reducing urban-rural differences and common prosperity of the key. Financing difficulties of SMEs and farmers, getting loans is a worldwide problem, how to solve the long-term concern is the issue at all levels of government, rural financial reform is imperative, the state actively explore the way out. Improve the rural financial system structure and operation mechanism, and actively adapt to the \, wide coverage, and sustainable rural financial system is to solve the bottleneck of the development stage of rural finance and promote rural economic development one of the ways. This article focused on the positioning of village banks through from the original intention of rural banks and foreign reference pattern analysis, combined with the current developments in Sichuan village banks, rural banks found that the current major problems and find solutions to problems, in order to promote the formation of rural areas investing in a diverse, species diversity, covering a comprehensive, sound governance, efficient service banking financial service system, to better improve and strengthen the rural financial services to support a new socialist countryside construction. This paper consists of four chapters, each chapter reads as follows: The first chapter analyzes and discusses the characteristics of China's current financial system, concerned about the rural financial services. And the success of rural banks through foreign reference pattern analysis to identify the positioning of village banks. The second chapter analyzes and discusses the country and the Sichuan Province in 2007 -2010 rural bank development. Chapter III through village banks in Sichuan Province has opened shareholding structure reasonable, deposit and loan size, capital investment, profitability, compliance and other indicators of a comprehensive analysis to identify the current problems in the development of rural banks: the overall profitability weak, difficult to absorb deposits, insufficient funds, loans, \Chapter IV presents the idea to solve the problem: a need to gradually improve the corporate governance structure, two to be used to set up rural bank branches, expanding service radius, to keep abreast of farmers, production and operation of enterprises, expand awareness and other measures to expand the sources of external funding. Third, we must create the external environment for the development of village banks, such as the establishment of a deposit insurance system, to accelerate market-oriented interest rate reform, for certain fiscal policy support, to establish the necessary risk compensation mechanism. Fourth, we must strengthen the financial means of innovation, strengthen the balance sheet exchange capabilities, develop a distinctive financial products and services in rural areas. Fifth, we must further improve the regulatory system. Financial regulatory authorities should guide rural banks to establish a sound corporate governance structure and the banking organization system. Establish a strict access system, the establishment of prudential regulatory system operators and strict information disclosure system. Innovation of this paper is: First, large-scale financial investigations. The author and co-Banking Bureau in Sichuan, the functions carried out to enhance the effectiveness of village banks experimental exploration, we have a lot of chapters II and references to relevant information and data. Looking at the results from the current, the current development of village banks identified bottlenecks, and propose a more practical solution ideas. Second, from a regulatory point of view of rural bank's operations and development. Benefits of doing so are able to objectively understand the rural banks to operate from the formation of the specific circumstances of each time, there are few on-site inspection data as a foundation for the development of village banks currently provide an objective analysis, and propose practical solutions to enable research results more relevant and practical. The downside is that this article: Rural Bank Reform in China is in the research stage of exploration, successful experiences and concrete basis data is relatively limited, village banks analyze economic data there must be some one-sidedness, while the author as life experiences, learning accumulation and other factors, and to grasp the current economic and financial policies is not enough, so the village bank is still not deep enough to understand thoroughly.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Financial organizations in urban and rural areas
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