The Rural Commercial Bank Supervision Legal System Research

With the development of financial market, the rural credit cooperatives can not adapt tothe development of rural finance. The rural credit cooperatives have not undergone qualitativeleap. If the State Council had not for several times reformed them. From then on, the firstrural commercial banks were born on the foundation of the rural credit cooperatives. Ruralcommercial bank is the establishment of joint-stock system and local financial institution,which is jointly set up by the area farmer, rural individual businesses, corporate and othereconomic organizations.In the21st Century, Rural commercial bank is a new type of financial institution in china,which is taking on many differences from the city commercial banks, such as promising“three rural” special historical mission and with the service “Agriculture” and profitabilitydual properties. However, banking regulators did not aim at how to balance the dualproperties, let alone, to form a mature supervision system. The application of researchmethods in the paper are like text analysis, comparative analysis, hypothesis method to studyof rural commercial bank supervision.In view of this, the anther firstly is carding the position and characters of the ruralcommercial bank, and combing its historical evolution and development present situation.While the anther researches in rural commercial banks legislation and regulation, especiallyfocuses on the “three rural” the proportion loans rules. By the analysis of service in “threerural”, it comes to a conclusion of how to perfecting the rural commercial bank supervisionand management.This paper is mainly divided into six parts:The first part: combing the position and characters of the rural commercial bank.Ruralcommercial banks. We are able to analysis its position from its scope, nature, purpose andoperation pattern and so on. Firstly, I will analysis the common and special characters, at themoment, I am going to research the external phenomena and essence attribute.The second part: combing evolution of the rural commercial bank and the status of itsdevelopment. Through combing the rural commercial bank in germination stage and about itsthe birth of relevant information, we will understand its background, basis and policy, to theimportant, we can grasp the historical mission and historical evolution. The third part: a study of the existing banking regulation and superstition rules. In thispart, through text analysis method, the author do combing the existing banking regulatory law,administrative regulations, followed by the contrast between commercial banking supervisionand management rules and “rural commercial bank management interim Provisions” toestablish the operating rules. The purpose of this part is to improve the existing banking rulesto adapt to the development of the rural commercial bank.The fourth part: Study of rural commercial bank specific operating rules, the one ofwhich is main to research the “three rural” loan ratio operation regulation. First, decompose“three rural” the proportion of loans operation regulation content and its legal norm order.Second, take care about the recent “three rural” loans. Third, analysis the defects and basicrights conflict of the rule. Finally, research “three rural” the proportion of loans regulatory.The fifth part: the author thinks from the following three aspects to improve the ruralcommercial bank operating rules. First, we should establish the whole set of both-strict–and-lenient rural commercial bank operating regulation and principles. Second, improve the ruralcommercial banks property right structure. Third, revision operation rules of “three rural” theproportion of loans.The sixth part: summery the paper concludes: by the analysis of service in “three rural”,it comes to a conclusion of how to perfecting the rural commercial bank supervision andmanagement.