Research on the Project of Peasantry’s Financial Kiosks Arrangement
|Keywords||Bank Technical Economy Peasantry’s Financial Kiosk|
Since the reform and openness of China, the development of China’s rural economy has reached great achievements. But the financial settlement environment in China’s rural areas still needs improvement, due to the natural deficiency of our country’s rural financial system and services. Until the end of June 2009, there are still 2945 towns which have no financial institution of bank service. There are one third of all Chinese rural towns are at acute shortage of financial services. What is on the contrary is that under the circumstances of an increasingly-accelerating urbanization and fast-developing urban economy, many financial institutes are keen on arranging branches in the downtown area to occupy the capital market and gain profit. The competition between banks has grown into such an intensive situation that every new-establishing bank would accordingly cause the market shrink. Then what we should do is to change our thought, to increase innovation and re-define profit-gaining areas.As a mainstream of rural financial service, how to find a better managing approach between cost-cutting and profit-increase has become a question for Rural Credit Cooperatives. Currently the arrangement of peasantry’s financial kiosks is an effective and innovative example of filling the blank of branches, facilitating peasants and regulating transactions.This thesis is based on the financial service research results of Shandong Rural Credit Cooperatives Jinan Branch during the year of 2009 and the facts of Jinan Runfeng Rural Cooperative Bank’s peasantry’s financial kiosks development in its service areas. Taking technical economics and cost-profit theory as theoretical basis of the research, this thesis fully illustrates the arranging mechanism of peasantry’s financial kiosks.In the first chapter of introduction, this thesis illustrates background, research objectives, research significance, research contents and concepts, theory and method basis, with a brief retrospection of the domestic and foreign researches related.In the second chapter, the thesis retrospects the current development of Runfeng Rural Cooperative Bank and concludes the issues during the process of rural financial services expansion. It illustrates the necessity of the involvement of technical methods to solve the issues of development and gives a brief introduction of the functions and principles of peasantry’s financial kiosks.In the third and forth chapters, the thesis illustrates the relationship between economy and technology, between cost and profit through the analysis of the supporting and ensuring significance of arranging peasantry’s financial kiosks from its research results and technical innovation. The conclusion is the following:The research and update of peasantry’s financial kiosks and the support of risk-countermeasures needs technical support to realize itself. The cost-profit analysis illustrates that peasantry’s financial kiosk has excellent economic significance.In the fifth chapter, from the point of contract theory, the thesis believes peasantry’s financial kiosks, as a new peasant-supporting financial service pattern, would involve the interests of several companies, groups and individuals. Parties concerned are also financially involved and should take correspondent risks and responsibilities, and their activities would influence the realization of the overall objective. Rationalizing the interests of different parties is undoubtedly an imported section to ensure the healthy and effective function of peasantry self-service financial project.In the sixth chapter, the thesis points out the issues of the following management of peasantry’s financial kiosks from the point of service system improvement and right-obligation-relation definition.The last part of this thesis points that peasantry’s financial kiosks should develop and penetrate to the deepest part of rural financial service. This is a explorative event of rural financial service mode, which will definitely generate active effect of demonstration and promote the realization of rural financial service’s full-coverage.