At present, China's rural financial innovation has entered a new stage. However, the existing rural financial institutions in rural areas and farmers unable to meet the diverse financing needs, financial services lagged. Thus, in rural areas urgently need to reform the existing financial system, required the establishment of a new financial system. In this paper, a strict definition of rural banks, on the Bangladesh Grameen Bank拉格莱Min and the United States abroad, the success of community banks such as Bank of towns and villages to carry out an analysis of development patterns, and domestic rural banks operating status of the pilot conducted an investigation. Country because of policy support and market demand and other factors, the development of China's village banks are faced with unprecedented opportunities. But China's rural banks in the course of development is not all smooth sailing, because of the lack of clear market positioning and mode of development of banking in our country towns and villages that exist in the development of a shortage of funds, profitability difficult, weak risk control and supervision of difficult issues. Therefore, banks should be made clear China's rural towns and villages banks market position, set up scientific management structure. On this basis, to increase the Government's support for village banks and strengthen the supervision department of the village bank supervision and other measures will also have a village bank in China's development plays an important role. We have reason to believe in these measures to help towns and villages of China's banks will be more mature, in the rural economy will play an increasingly important role. Risk control; risk prevention; market positioning给分哦!!!!!!!!