Study On The Development Model Of Chongqing Rural Commercial Bank

From the rural credit cooperatives, China's existing property rights model can be seen, different models have their strengths and weaknesses, with China's economic development throughout the imbalance and to different levels of credit cooperatives operating in the country's current credit on the road to social reform, and there is no applicable to the whole country the best model. Therefore, in accordance with the economic situation in rural areas and development of rural credit cooperatives, and research into the most suitable for local economic development, which can best meet the requirements of rural economic development is a model of reform is very important.Chongqing is China's fourth municipality, and was established as the national urban and rural integrated support reform pilot area in 2007, but Chongqing's economic development showing a typical "big cities with large rural" pattern, very different regional development, urban and rural the obvious contradiction between the dual structure, urban and rural task is daunting. Under such circumstances, how to Chongqing urban and rural reform to provide the necessary financial support it is very important, the existing rural credit cooperatives on the basis of its reform to make it more suited to the needs of urban and rural Chongqing it is very urgent. Chongqing Municipality in rural credit cooperatives in the 2007's and 39 Yuzhong District, and other districts and counties of rural cooperative financial institutions, corporate integration on the basis of the initial formation of Chongqing rural commercial banks, a joint-stock reform, the introduction of strategic investors, but rural credit community to the reform of commercial banks in rural areas is a complicated system, and its development model is not yet sound enough and mature. Therefore, in the Chongqing Municipal Development of rural commercial banks on the basis of cooperation from domestic and foreign financial institutions in rural development of the successful experience of the relevant financial market theory, the Chongqing City Commercial Bank rural development strategy, mode, market positioning and operating strategy - depth and systematic research has important theoretical and practical significance.In this paper, combining theory and practical point of view, the use of comparative studies, normative analysis and empirical analysis of the research methods to standardize the analysis mainly supported by the necessary empirical analysis of Chongqing City Commercial Bank rural development model. The results show that, Chongqing rural commercial banks in the rural areas of the market as "community-based services three rural service town and township enterprises", in urban areas should be defined as SMEs, community finance, financial networks and joint finance; Chongqing rural commercial banks business strategy is to focus on building the financial community station-convenience retail banking, efficiency, products, services, channels and service attitude continuously improving the community, such as financial-stop convenience retail banking service system; Chongqing rural commercial banks shall, in accordance with the Chongqing Municipal regional characteristics and the process of economic development, made a distinction between urban areas and rural areas, respectively develop specific operational strategies that can be balanced support "three rural" development of the political task, and maximizing profits for the sustained development, and achieving their own sustainable development.