Problems And Countermeasures Of Hebei Province Restructuring Rural Commercial Bank

Rural credit cooperatives has been the main force of rural services,However, due to thelow efficiency of rural credit cooperatives,A heavy historical burden,Backward managementand other reasons,the Rural credit cooperatives can not meet the development needs of therural economy.In2003, China began a new round of reform of rural credit cooperatives,Nowthe direction of reform has made it clear,which is to reform the Rural credit cooperativesand then to establish the Rural commercial bank as result.Now, Hebei Province are activelypromoting the restructuring of work in rural credit cooperatives,Some rural creditcooperatives have been converted to the establishment of a Rural Commercial Bank.Ruralcommercial banks have a relatively short time,so relatively little research had happened inthis area.Reconstruction of rural commercial banks is not any experience at all rural creditcooperatives in Hebei Province,so To study the reconstruction of rural commercial bank ruralcredit cooperatives in Hebei Province with reference of relatively successful experience aboutrural commerical banks.to analyze Hebei rural credit cooperatives converted ruralcommercial banks and the problems in the development of rural commercial banks,toprovide policy advice about Development of the rural commercial banks,as a resultofPromoting the development of the rural commercial banks better.Chapter1of this article is the introduction:Introduces the research background andsignificance of current research and innovation of this paperchapter. Chapter2of thisarticle:to introduced the background and reasons of the reform of rural credit cooperativesand the development status of rural commercial banks which being established byundergoing refoming rural credit cooperatives.Rural Commercial Bank is in what position inthe field of rural finance,chapter3of this article:to introduces some of the more successfuleconomically developed areas of rural commercial banks,to explore what their experienceto success is?,What experience is worth learning?what kind of problems encountered in thedevelopment?How to solve these problems?Chapter4of this article is:to introduce thedevelopment of rural commercial banks in Hebei Province.what’s major issues in the process of being established and developed?Chapter5of this article is:the recommendationsto promote and improve the development of the rural commercial banksthe last of this articleis:to summarized conclusions.