Study On Function Orientation Of Rural Commercial Banks

From1984, Rural credit cooperatives starting the first round of reforms continue to explore the mode used to complete the best reform, but not yet.However,Reform for rural credit union is gradually became actually of mainstream mode, as currently, the number of national rural commercial banks has up155,and the number of rural cooperation Bank more up210, In addition, the related head of China Banking Regulatory Commission said, in future the new rural cooperation Bank will no longer be formed, and all the existing rural cooperation Bank will be Transformed to rural commercial banks, In addition, fully canceling the qualification unit, encouraging the qualified rural credit unions transformed into rural commercial banks. So the plight of rural commercial bank operation will be to a large extent hindered the process of reform, which makes trying to solve the problems in the operation of commercial banks need to be more cautious.Rural commercial banks based on the rural credit cooperatives, Inevitably followed the latter’s policy role, which also constitutes the legal basis of the formation and development of rural commercial bank, in other words, Even rural commercial bank in pursuit of profit is in a dilemma as a result of this policy of responsibility,but no able to attempt to escape from this rigid constraints.So, treat contradictions between specific operations and trying to taking into account, despite the policy constraint lack more elastic of implementation method, but it is not an excuse to take full responsibility, more causes are rural commercial banks in processing of dealing with contradictions lack awareness of clear function positioning.So how solve correctly function positioning problem is key of getting rid of dilemma of policy and profit.In structural design, in chapter III taking example of Chongqing rural commercial bank,from the level of meet the demand for rural financial resources requirements and their sustainable development, made conclusion that dilemma exists mainly as prospective policy dilemmas and the trend of ambiguity from policy in dilemma。In chapterⅣthe article analyses the question whether in rural commercial bank fuzzy functions is universal.In chapter V make countermeasures for problem, this innovation point will reflect on dealing with design of solution path:adopt function paradigm rather than structure paradigm to constructed the train of general thought and path select,where firstly by analysis to business environmentrural of rural commercial bank and inner target,elaborate a clear reality foundation, accuratelly said, only reasonable function positioning established in reality foundation will be scientific and feasible; Finally, article designs the safeguards or carrier against the function position summarized by the article:Firstly,by analyzingthe business environment and internal goals of rural commercial bank,we can elaborate a clear and realistic basis, because the reasonable function established in reality is only scientific and practical;last, it design the protection measures required or carrier To implement the functionality.