Analysis of feasibility of the establishment of village banks in Wenjiang District,ChengduA basic economic situation.Wenjiang district is located in Sichuan Province China Chengdu City in thewestern region, with a total area of 277 square kilometers, jurisdiction over 10towns (street), the total population of 457000. All of Wenjiang is located intheChengdu Plain hinterland, mild climate, dense river network, suitablefor farming,known as the "golden" in Wenjiang. EastQingyang District, Chengdu City, south of Shuangliu County, west of ChongzhouCity, north of Pixian, Dujiangyan. The government of Liucheng Office of thestreet and road from Chengdu City (two loop) 15 km, 18 km from Shuangliu International airport.Wenjiang third industry developed rapidly. With the Ministry of agriculturesentinel fresh farm produce market, the provincial flower seedlings Market and a number of professional market and the town farmers market. Relying on the territory of mu base of flowers and trees, Yufu village site, Chen mast, the ancient Furong City, rich in tourism resources, the initial formation of the ecological farmtourism and the ancient Shu culture pursuit for the characteristics of the tourism pattern, in 2003 a total of 4840000 touriststrips. Wenjiang real estate industry iswith the image of modern garden city toascend gradually warming, a number of well-known Real EstateCompany Chengdu, Chengdu confidence, Jianxinindustrial Senyu, Huaxin International, Chengdu Tienhsiang has settled in Wenjiang, and entered asubstantive development.Wenjiang city high level. Wenjiang is the city (county), the pilot areainfrastructure carrying ability, daily supply capacity of 21 KVA, daily water supply capacity of105000 tons, daily supply capacity of 125000 cubic meters; WenQiong Expressway across the whole territory, Wenjiang Guanghua Road West extension line, South transit road backbone road has opened to traffic, the formation of internal and external cohesion, convenient traffic network system. In recent years, Wenjiang to create a "national environmental protection model city"and "national civilized city" as an opportunity, vigorously implement the comprehensive improvement of the environment of the city, city air quality has been ranked in the national standards, and gradually formed a clean, safe and civilized, beautiful and comfortable city environment.Wenjiang better conditions of agriculture as the foundation. WenjiangDepartment of Dujiangyan gravity irrigation areas, since ancient times, people from the flood, rich resources, is the famous flower Township, township of the garlic andsmall poultry Town, has been identified as a state-level ecological demonstration zones, the provincial agricultural industrialization pilot county. Theplanting area of 120000mu, accounting for 1/3 of the province; garlic planting area of 47000 mu, smallpoultry rearing amounted to more than 603 only, is an importantagricultural product supply base in Chengdu city. In 2003, theagricultural added value of 651000000 yuan, per capita net income of farmers reached 3838 yuan.Wenjiang industrial strength. Wenjiang to take a new road to industrialization, the implementation of industrial intensive development, the formation of a nationalChengdu Cross-Strait Science and Technology Industry Development Park as a leader, food and beverage, pharmaceutical, printing and packaging industry ledindustrial development pattern. Region's existing industrial enterprises above Designated Size 102, 47 of which sales revenue million yuan (100 million yuan10), industrial economic benefits in Chengdu City in the forefront. In 2012, is expected to achieve 31000000000 yuan GDP, local finance general budget revenue 2503000000 yuan, completed investment in fixed assets 26800000000 yuan, total retail sales of social consumer goods 6504000000 yuan, per capita disposable income of urban residents was 28524 yuan, per capita net income of farmers 13772 yuan. Among the "2012annual Chinese city comprehensive strength hundred".Superior location, facilities of modern. From the city center 16 km, ShuangliuInternational Airport 18 kilometers, have become lukewarm Qiong high speed,GuanghuaRoad, Furong Avenue, into the green tourism fast channel and a plurality of backbone road, central city and seamless docking, and thesurrounding areas of rapid accessto. Infrastructure facilities, perfect city function, the value of the region to enhance obviously, is Chengdu city livableLuxuries plate. Settled inthe western area Chinese only cross-strait science and technology industry development park and the Chinese Academy of SciencesChengdu Branch BiotechnologyCenter, Southwestern University of Finance and Economics, Sichuan Agricultural Uniersity and other agricultural universities andresearch institutes in more than 30.Two the financial development of the local economy.Wenjiang District of the types of financial institutions are not many, in addition to the four major banks, commercial banks, Chengdu City commercial banks alsosetup many outlets. But on the whole, options are not many, on the one hand,the big four banks in a monopoly position, occupied a lot of share; in addition, the financial industry in Wenjiang, a less developed area is also the main reason.The big four banks occupythe most market share, and Wenjiang local economic situation is concerned, is not suitable for absorbing large investment, but relatively small, local economic development for the small amount of money willhave great demand, Wenjiang city andsuburban and not the banking business,the bank is committed to small creditbusiness and all kinds of agency business,a middle class and small business services, of course, service object is selected,the credit degree and development potential for standard. At the same time, we also have a lot of confidence, for the future development of space by the end of 2014, the financial institutions of the banking industry total assetsto take the pursuit of economicefficiency as the core principles. Therefore, during this period, the bank shouldsubdivide the market, customer, identify andsupport stability, good quality and development prospects of small and medium enterprises and individualbusinesses and farms in the lord.In the development of traditional banking business at the same time, also todevelop intermediate business and off balance sheet business market, with thesame area of the state-owned commercial banks, policy banks, insurancecompanies and other financial institutions business cooperation.3.2 the future business developmentindex 3 forecast assumptions and premises(1) according to the Wenjiang area of the GDP historical growth and economic development (annual growth rate of about 13% or so), taking into account thebank at the beginning of the occupation rate of market changes, as well as urban and rural residents for loan demand is strong under the condition of village banks, loan and deposit may have increased substantially in the first in 3 years(year growth ratemay reach around 30%)If the registered capital of 50000000 yuan:A. make up for the previous year losses;B. statutory surplus reserve, the ratio of not less than 10% of the profit after tax;C. draw general risk reserve;D.discretionary surplus reserve;E. to pay dividends to shareholders according tocontribution.(4) prediction of risk management:Village bank loan has the characteristics of small volume, wide dispersion,operation process should adhere to the characteristics, improve the coverage area of loans, to prevent excessive concentration of lending, to the same borrower or the same group customer loan amount can not exceed a certain proportion of the capital. Rural banksto ensure capital adequacy ratio is more than 8%, lower than the 5% rate ofnon-performing assets, while capital adequacy ratio of less than 8%, shouldrequire shareholder capital supplement,improve capital adequacy ratio.Indexes and prediction is in front of the future 3 years, the risk managementprediction index table as follows:。