Essay on role of banking sector in ..
Essay on rural development program Term paper Writing Servic
Low agricultural prices are also driving people from rural communities, compounding rural banks' problems in attracting insured deposits to fund their loans. When asked to evaluate threats to their profitability, about half of both rural and urban community banks indicated that aging and declining population posed a high threat. It is, however, a greater threat for rural community banks as 55 percent of them are in counties that lost population in the 1990s, while only 8 percent of urban community banks' counties lost population. Urban banks are more hopeful than rural banks about the possible contribution of insured deposits in the coming years.
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Local economic conditions influence the competitive pressures that community banks face. As the accompanying chart shows, rural and urban community banks face competition that is pertinent to their particular markets, but they also share a common competitor-other community banks. About 50 percent of both urban and rural bank respondents rated other community banks and lending subsidiaries of commercial firms as offering intense competition.