The Management And Development Of China’s Rural Commercial Bank The Study On The Problem

Starting from2001rural commercial banks became a new member of rural financialinstitutions in our country. More than ten years, the reform of rural credit cooperatives and thedevelopment of the rural commercial bank is on focus. Rural commercial bank establishedmarks the joint-stock company legal person structure mode more formally entered the ruralfinancial system in our country, which not only can cooperate with the rapid development ofrural economy. At the same time the increasingly touching in our stage of rural industrystructure and rural economic development. So far, the number of rural financial institutions inChina is large, rural credit cooperatives, rural commercial Banks, rural Banks and rural fundcooperatives and rural cooperative Banks multiple types of institutions coexist, make China’srural financial system reforming shortly. In recent years, the rural commercial bank hasbecome a place of rural credit cooperatives mainly rural financial institutions. The People’sbank of China, China banking commission and other departments issued relevant documentsthat enhancing and promoting the rural cooperatives and rural cooperative Banks to the paceof reform of rural commercial bank. As a result, our country bank becomes our country ruralfinancial main part. The article in the trend of rural credit cooperatives in rural commercialbank, mainly studies the development of rural commercial bank and developed situation.This paper, firstly, the condition of the rural commercial bank is analyzed, and theconditions for establishment and equity of the situation. It analyzed the construction of ruralcommercial bank. Then, it analyses the existing characteristics of bank, rural commercialbank in Jiangsu province as an example, through comparing and analyzing relevant data onthe corporate structure and operating characteristics of rural commercial bank are analyzedand expounded. Next, a analysis of the rural bank of Jiangsu was founded early, operatingconditions, better Jiang yin rural commercial bank, through a lot of data on the operatingconditions, operation mode and risk management are discussed. The fourth one, the bank ofour country’s problems in the process of development, and through the SWOT analysis, it isconcluded that China’s rural commercial bank of development suggestion, and combined withthe development of Jiangyin bank strategic concept in this paper.