Analysis Of The Countryside Commercial Banks Development Status And Strategy In Metropolis

Metropolis is the determinate factor of our economy and society as an important cradle of human culture. The development of the countryside in the megalopolises is more advanced than the ones in the other regions.The rural credit cooperatives, as the main financial institutions in the countryside economy development, have some problems in system of management, property right, operation environment, internal control and supply of political system. According to the"take actions that suit local circumstances"principle, the rural credit cooperatives in different provinces chose different reform mode which are shareholding system, the joint stock cooperative system, the countryside commercial bank, the countryside cooperative bank and so on. Beijing Countryside Commercial Bank were founded in Oct 19th, 2005, which was the first provincial level countryside commercial bank with shareholding system.Beijing is a typical representative of the development of countryside economy and finance in metropolis. The product structure of agriculture in Beijing satisfies the needs of metropolis consume, the single function structure is becoming the multifunction, and the traditional tech structure is turning into the modern tech. In the development process of the agriculture industrialization, Beijing Countryside Commercial Bank keeps on improving its operation and management to satisfy the variety needs of the agriculture industrialization chain, and has performed well in increasing funds supply, building bank-government cooperation supporting the countryside economy, financial product innovation, and averaging up the financial service. Meanwhile, Beijing Countryside Commercial Bank has shortages in some area like: more funds support to the nonagricultural area, the weak capability of absorbing bank deposit, the weakness of mid business, the loophole of internal control, and the deficiency of risk supervision. To point against all the problems above, we propose Countryside Commercial Banks dig the countryside market deeply, enhance the financial innovation, perfect the internal control, complete the risk supervision and build the deposit insurance system, so that the Countryside Commercial Banks can put into full play in the development of the metropolis countryside economy.