Analysis Of The Dual Goals Deviation Of Rural Commercial Bank Of Dalian

Since the "pilot program of deepening the reform of rural credit cooperatives"was released in 2003,the reform of rural credit cooperatives has been gradually deepened,and rural commercial Banks,as a kind of small and medium-sized rural financial institutions specialized in serving "agriculture,rural areas and farmers",have emerged at this moment,and their organizational form has changed from the original partnership system to shareholding system.The shareholding system is a self-financing and profit-sharing organization.Therefore,the operation of rural commercial Banks has the dual goals of maximizing profits and supporting agriculture at the same time.However,due to the unbalanced development of urban and rural areas in our country,the problem of "agriculture,rural areas and farmers constitute widespread,so the rural commercial bank must face when providing financial services are inherently high risk and high cost.This kind of high risk and high cost forms the constraint to the profit,sustainable objectives and service" three rural "financial target deviation between the form accordingly.As China's economic development enters the new normal,it is increasingly difficult to reconcile the deviation of rural commercial Banks' dual goals.Therefore,it is of great theoretical and practical significance for the development of rural commercial Banks to study the deviation of rural commercial Banks' dual goals and discuss the specific manifestation of the deviation and the reconciliation method.This paper analyzes Rural Commercial Bank of Dalian which performed very significant on the dual goals deviation problems,and discussed the specific performance of the dual goals deviation in the actual case and Rural Commercial Bank of Dalian dual goals deviation of reason,in order to reconcile more operational suggest about goal deviation problem of rural commercial Banks in China.The main research contents include: First,on the basis of defining the relevant concepts,this paper makes a general analysis of the deviation between the financial sustainable goals and the service objectives of "agriculture,rural areas and farmers",and discusses the role of the government and the market in the problem of dual goals deviation by sorting out the relevant theories of the dual goals deviation of rural commercial Banks.Second,the paper analyzes the development status of rural commercial Banks in China,and expounds the prominent problems caused by the deviation of dual goals to the development of rural commercial Banks.Thirdly,by analyzing the realization of Rural Commercial Bank of Dalian's dual goals and relevant operating background,the paper summarizes and sorts out the specific performance and prominent reasons of Rural Commercial Bank of Dalian's dual goals deviation.Fourth,combined with the results of case analysis,the corresponding Suggestions are given from the perspective of institutions and governments.The main research conclusions of this paper are as follows: first,the problem of dual goals deviation has formed a constraint on the development of rural commercial Banks in China at the present stage,and the problem of dual goals deviation needs tobe reconciled with the market and government intervention.Second,Rural Commercial Bank of Dalian dual goals deviation problem is very serious,in the process of service "three agriculture",sustainable development is restricted by the serious.if not effectively ease the Rural Commercial Bank of Dalian dual goals deviation problem,will be seriously restricted the healthy development of the Rural Commercial Bank of Dalian,unable to effectively service "three agriculture";Thirdly,the main reason why Rural Commercial Bank of Dalian's dual goals deviation problem is significant is that Rural Commercial Bank of Dalian has many improper strategies in the process of facing the problem of dual goals deviation.