Research On The Reform Of Shenzhen Rural Commercial Bank

Along with our country’s economy continuously development and new rural construct continuously to push forward, our country the rural development increase day by day of funds need with fall behind of rural financial present condition of the antinomy has become a current antinomy of three agriculture problem’s paradox. The writer thinks that the root project key that solve three agriculture problems lies in the development of rural finance. With the state owned large bank withdrawing county area economy in succession, rural credit cooperatives and China agriculture bank occurrence take off hook, the rural credit cooperatives became the main force that the our country rural finance yields to nobody. Unique "Sunan model","Tianjin mode" and "Chongqing model", opened China’s rural credit cooperatives reform.This article is from lately home and abroad study achievement, put forth effort to the community bank, retail price bank, the process bank still has province class the mode waits several of the cultural heritage carries on analysis and sorting and inquires into the necessity and possibility of rural credit cooperatives reform. Then from take development and reform of Shenzhen rural commercial bank as a case, according to the Shenzhen rural commercial development path and other community retail banking reform successful experience, summed up the development of China’s rural credit cooperatives in the feasibility of the four paths, trying to explore the different paths of a kind suitable for the development of rural credit cooperatives reform. Four different paths of reform of rural credit cooperatives, the paper named ACTI path selection theory. Among them, the A is the abbreviation of alliance that stand for the weak alliance. Mainly is that the set up the city rural credit cooperatives and province rural credit cooperatives, district rural credit cooperatives and even the national rural credit cooperatives, translates for alliance. The C is the abbreviation of coalition that stand for the strong and weak coalition. Mainly is coalition with the city commercial bank, translates for coalition. The T is the abbreviation of transformation that stand for transforming itself. Creating community retail bank, the form adverse effect is at the contents, translates for transformation. The I is the abbreviation of innovation that stand for along the current path works to develop through perfecting the product and service and creating modern process bank, translates for innovation.These four kinds of paths choose theory can also be English translated as a positive action theory or Chinese translated as innovative aspect choice theory. Articles in analyzing the feasibility of development of each path, advantages and disadvantages, but on the development of rural credit cooperatives to provide strong reference to enhance the feasibility and universality. In the last article, the author community based in Shenzhen Rural Commercial Retail banking experience, propose policy recommendations for the reform of rural credit.