A Study On The Development Of Rural Commercial Banks In Shaanxi And Shaanxi Provinces

In recent years, the rural finance is playing an important role in promoting agricultural development. Agricultural Development Bank, Agricultural Bank and Rural Credit Cooperatives have played an underestimated role in supporting the rural economic development and in promoting the "three rural" development. The Rural Credit Cooperatives is one of the oldest financial institutions among the numerous rural financial institutions. The Rural Credit Cooperatives of our country is moving in the direction of shares and commercialization. With the rapid development of the financial sector and the improvement of the socio-economic level, the financial institutions in rural areas also have more modern requirements. In order to adapting the current economic environment better, some rural credit cooperatives reform their system. With these change, rural commercial bank has set up.After 60 years of reform and development, Shanba Rural Commercial Bank has the advantages of network covering from urban to rural locations. It has a solid foundation and broad market space for development in rural and urban areas. Its’good brand image and people reputation helps itself achieve capital strength of the rapid growth. With its’ asset quality improved markedly and the operating efficiency enhanced significantly, Shanba Rural Commercial Bank run the business more and more stable sustained. But a series of problems that exist in the process of its development can not be ignored. In terms of internal system and external strategy it also has some deficiencies and shortcomings. So Shanba Rural Commercial Bank received a future sustainable development hindered. Therefore, a correct understanding of the problems from Shanba Rural Commercial Bank is driven by the presence of the first step in its development. That can help Shanba Rural Commercial Bank achieve the future direction of development and have a better way to support the local agricultural economy for long-term. The writting aims of this article is that through the analysis of the current situation of its development to find out the key points of the development and what kind of problems existed in the process of development. By these ways we can put forward corresponding feasible strategy for Shanba Rural Commercial Bank. Hope to make some feasible suggestions for the development of Shanba Rural Commercial Bank and also hope to be able to provide some experience for some other rural commercial bank.