The Research On Ownership Structure Optimization Of Chang Sha Rural Commercial Banks

Rural Commercial Banks are the leaders of rural economic development and the main force of rural credit system construction.For a long time,Rural Commercial Banks have been one of the main bodies in promoting the policy of benefiting farmers and implementing the financial services for agriculture,rural areas and farmers.Since 2003,Rural Credit Cooperatives reform to Rural Commercial Banks,further consolidate the basis of property rights,formed the clear responsibilities and reasonable restriction system of governance which preliminary solved the problem of service absence to agriculture,rural areas and farmers.The reformance bring the gr-eater ability of service agriculture,countryside,and farmers,but there are still some contradict-tions and problems exposed.The problems of small capital scale,weak brand influence,insu-fficient scientific and technological power,and insufficient innovation capacity of products and services are obvious,which restrict the quality and efficiency improvement and sustainable de-velopment of Rural Commercial bank.Therefore,it is helpful to understand the present situation and analyze the problems existing in the Rural Commercial Banks,then explore the optimal path to promote and regulate rural commercial Banks which can contribute to rural revitalization.On the basis of studying relevant domestic and foreign literatures,this paper firstly sorted out the theories related to the ownership structure of the company,and then described and analyzed the background and current situation of the ownership reform of Changsha Rural Commercial Bank in detail.Then,through comparison analysis of before and after reform period in Changsha Rural Commercial Bank,compared with other Banks to find out the deficiencies.The last,Refer to the experience summary of other bank's reform in China,Suggestions on optimizing the ownership structure of Rural Commercial Banks in Changsha.It is expected to provide references for the ownership optimization of Rural Commercial Bank in Hunan and even in China,promoting the overall operating performance and sustainable development of Rural Commercial Bank.