Is it necessary for "village banks" to exist? What is its future development prospect?

I'm from the countryside myself. Although I don't live in the countryside now, I often go back to see my grandparents. For the future development of rural banks, I personally hold the attitude of "optimistic on the whole and treating them differently". Village banks are the smallest main node in China's financial system. From the establishment of the first village bank in 2007 to the end of May 20 1356, there were 1356 village banks in China, and none of them went bankrupt. The scale and speed of this development also prove the feasibility and necessity of the village bank model in China financial market. The original intention of setting up village banks is that the country should take advantage of the sinking of outlets to open up the "last stop" of rural financial markets, really revitalize rural financial business and markets, and give new vitality to rural and peasant economies through financial stimulus. From the point of view of necessity and applicability, there is no doubt about the establishment and existence of village banks.

As far as the current social situation is concerned, the penetration rate in China is increasing year by year, the social investment channels are gradually enriched, and the real estate industry is overheated, which leads to the strong diversion of a large number of traditional bank retail businesses in the urban market, the cost of obtaining high-viscosity retail deposits is getting higher and higher, and the banking business is gradually falling into a bottleneck;

In fact, these related businesses have not completely entered some very backward rural areas, and some rural residents in the central and western regions have not even heard of wealth management products. Therefore, the pressure of competitive environment for rural banks to carry out county and township business is relatively small. It is expected that rural banks will still have a sweet development period of 10- 15 during the transition period when new business forms gradually penetrate and the outlets of large and medium-sized commercial banks further sink.

Finally, I hope that every village bank practitioner, especially the so-called bank leader, can "not forget his own initiative" and go to villages and towns to see what kind of financial support our farmers and agriculture need.