What kind of bank is China Rural Bank? Seek advice from professionals ... what is the nature, source and qualification? ..

1. The so-called village banks refer to banking institutions that provide services for local farmers or enterprises. Unlike the branches of banks, rural banks are first-class legal persons. At present, there are only two kinds of financial entities in rural areas, one is credit cooperatives, and the other is postal savings that only save but not lend. The rural financial market is still in a monopoly state. Without competition, the service level cannot be improved, and farmers' loan demand cannot be met. The way out for reform is to introduce new financial institutions.

2. On February 22, 2006, 65438, the CBRC issued "Several Opinions on Adjusting and Relaxing the Access Policy of Banking Financial Institutions in Rural Areas to Better Support the Construction of a New Socialist Countryside", which made breakthroughs in the scope of access capital, registered capital limit, investor qualification, business access, senior management qualification, administrative examination and approval, corporate governance and so on. Among them, the most important breakthrough lies in two liberalization: one is the liberalization of all social capital. Domestic and foreign bank capital, industrial capital and private capital can invest, acquire and set up new banking financial institutions in rural areas. The second is to liberalize all financial institutions. Reduce the registered capital and cancel the restrictions on working capital. The registered capital of a village bank established in a county (city) shall not be less than 3 million yuan; The registered capital of a village bank established in a township (town) shall not be less than RMB 1 10,000 yuan. The registered capital of the newly established township (town) credit cooperative organization shall not be less than 300,000 yuan; The registered capital of a newly established credit cooperative organization in an administrative village shall not be less than RMB 654.38+10,000. Open the scope of capital access, actively support and guide domestic and foreign bank capital, industrial capital and private capital to invest in rural areas, and acquire and establish the following types of banking financial institutions. In principle, the headquarters of the newly established banking legal person institution can be located in rural areas or in large and medium-sized cities, but its business outlets with loan service functions can only be located in townships (towns) and administrative villages below the county (city). All kinds of rural banking financial institutions, especially newly established institutions, must be able to cover townships (towns) or administrative villages within the jurisdiction of the institutions.

3. Village banks refer to banking financial institutions established in rural areas with the approval of China Banking Regulatory Commission in accordance with relevant laws and regulations and funded by domestic and foreign financial institutions, domestic non-financial institutions, corporate legal persons and domestic natural persons, mainly providing financial services for local farmers, agriculture and rural economic development. Village banks can absorb public deposits, issue short-term, medium-term and long-term loans, handle domestic settlement, accept and discount bills, engage in interbank lending, engage in bank card business, issue, honor and underwrite government bonds, receive and pay money and other businesses approved by insurance agency business and banking regulatory agencies. According to the relevant provisions of the state, rural banks can also act as agents for policy banks, commercial banks, insurance companies, securities companies and other financial institutions.

4. Village banks mainly provide financial services for local farmers, agriculture and rural economic development. In the past, there were only two financial entities in rural areas of China, namely rural credit cooperatives and postal savings, and the level of financial services could not meet the needs of farmers. Therefore, the construction of rural banks has become a goal vigorously promoted by the regulatory authorities. In terms of scale, rural banks are real "small banks". From the perspective of business scope, the functions of rural banks are relatively complete. According to the regulations, rural banks can absorb public deposits, issue short-,medium-and long-term loans, handle domestic settlement, handle bill acceptance and discount, engage in interbank lending and bank card business, issue, honor and underwrite government bonds, receive and pay money, and other businesses approved by the CBRC. In addition, although the village banks are small, they are independent legal persons, which are different from the branches of commercial banks. Rural banks have flexible credit measures and rapid decision-making. For example, the small and micro department of Minfeng Village Bank in Luanchuan will make a decision on the loan of 654.38+10,000 yuan within 3 working days; For loans of 65438+ 10,000 yuan to 300,000 yuan, a decision shall be made within 4 working days.

PS: Quote Baidu Encyclopedia "Village Bank", you can search it.