The Evaluation Of Operation And Management Of The Change From Rural Credit Cooperatives To Rural Commercial Bank

Rural credit cooperatives are an important part of rural financial foundation and strength of our financial system.It is very important in terms of rural services and building a new socialist rural areas.The State Council issued the "pilot program to deepen the reform of rural credit cooperatives" in 2003.It established a "local condition" principle.The direction and goal are clear property rights and doing services to agriculture.The CBRC gave the final timetable of the reform of rural credit cooperatives that all will have reached or almost reached the conditions of rural commercial banks, rural credit cooperatives all set up for the restructuring of rural commercial banks in August 2011.This should abolish rural credit cooperatives qualified shares in 2015 and encourage the restructuring of rural credit cooperatives eligible for the rural commercial bank.The paper chooses Zhongwei Rural Commercial Bank as a case analysis.First,it introduces the related restructuring of rural credit cooperatives, detailed combing the development process of China’s rural credit cooperatives.Second, Zhongwei rural commercial banks specific cases are introduced before and after the restructuring of its operation and management. Elaborated the necessity and feasibility of Shareholding Reform of Zhongwei rural credit cooperatives, and evaluate the effectiveness of the restructuring.Analysis of Shareholding Reform whether they can adapt to local economic and social development, has reached a clear property rights, strengthen corporate governance, strengthen risk prevention and control, enhance the agriculture target service.Finally, the future development of Zhongwei rural commercial banks opinions and suggestions, and combined to make full summary. First, the reform of rural credit cooperatives must be solved management system. Second China must insist on deepening the reform of rural credit cooperatives reform.