The Countermeasures Of The Rural Commercial Bank Service "The Issues Concerning Agriculture, Farmers And Countryside"

In the agricultural population accounts for a large proportion in China, "the issues concerning agriculture, farmers and countryside" has long been a problem to be resolved. As the main body of the money supply of the rural financial market, rural commercial bank by the joint-stock reform of rural credit cooperatives since 2001, after more than a decade of development, has been sticking to the service "the issues concerning agriculture, farmers and countryside" as the basis of their existence, has become the main force of rural financial market. Sheyang rural commercial banks,as the first successful restructuring in northern JiangSu province rural commercial banks, in recent years in terms of service"the issues concerning agriculture, farmers and countryside" also play its proper role and got good grades, and vigorously promoted the reflected area to solve the "the issues concerning agriculture, farmers and countryside".Rural commercial bank service "the issues concerning agriculture, farmers and countryside" all along with the history of the tortuous development of rural commercial bank itself. In 1923, the first rural cooperative credit cooperatives had setted up at XiangHe Xian in HeBei province; This period of time until 1957, rural cooperative credit cooperatives had achieved rapid development; From 1958 to 1977, this special historical period, the development of rural cooperative credit cooperatives suffered a major setback; Reform and opening up to 2001, the development of rural cooperative credit cooperatives had experienced recovery, three stages of reform and rectification, deepening reform, rural cooperative bank service at this stage the effect of "the issues concerning agriculture, farmers and countryside" had been gradually played; 2001 years later, after the success of the rural commercial bank in the restructured constantly play to the role of the main force of rural financial market, many achievements have been made in the service "the issues concerning agriculture, farmers and countryside", Sheyang rural commercial bank in the 1950s to reflected the same made many contributions to "the issues concerning agriculture, farmers and countryside".Rural commercial bank in the process of service "the issues concerning agriculture, farmers and countryside" also appeared a lot of problems,had influenced the exertion of its functions to some extent. These problems are, on the part of the Banks, in rural, and social environment. Banks including the bank’s own weak backward, insufficient funds, bank management and risk control ability is weak. "the issues concerning agriculture, farmers and countryside" aspects including agricultural production has a dual nature and market risk, the low level of rural economic development, farmers’ enthusiasm is not high, the rural capital outflow. Social environment include poor rural credit environment, guarantee the absence of mechanism, policy support, the problem of insufficient.Aiming at these problems, from inside the Banks, "the issues concerning agriculture, farmers and countryside" itself, the social environment in three aspects, put forward the corresponding countermeasures to solve them. Countermeasures including perfecting the bank internal management system, improve staff quality, enhance the bank capital management and operation ability, strengthen risk control mechanism, and improve farmers’ financial environment and risk awareness, improve the "the issues concerning agriculture, farmers and countryside" and increasing policy support the seven points, the countermeasures to solve the reflected rural commercial bank services and development in "the issues concerning agriculture, farmers and countryside" have certain effect.