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In the research and analysis of how the future of rural banking in China will look like, the author chooses to adopt a pragmatic and policy-like approach towards the analysis of this issue. Current issues of the rural banking system are being discussed in depth, followed by a range of policy recommendations put forth that attempts to address these issues. It is the sincere wish of the author that the policies mentioned herein will be implemented for the benefit of the millions dependent on the rural banking system for their growth and livelihood.