Study On Joint-stock Reform And Development Of Rural Credit Cooperatives

The existing brand,technology and bad loans had restricted the sustainable development,service ability of "agriculture,the countryside and farmers",and sustaining local economic development in credit cooperatives.Therefore,the joint stock system reform can improve the ability of corporate governance and market competitiveness,andpromote its sustainable development.Based on the above background,this paperstudies reform and development of rural commercial bank in developed eastern provinces by the way of case analysis.The first chapterintroduces the present situation of the credit cooperatives reform in domestic and overseas.The second chapter reviews the growth of rural credit cooperatives and the necessity of joint-stock reform in our country.The third chapter discusses the necessity and feasibility of A city agricultural bank joint-stock reform.The fourth chapter study content of rural commercial bank joint stock system reform.The fifth chapter study rural commercial bank joint stock system reformfrom the ownership structure and corporate governance structure,agriculture and business performance.The sixth chapteranalyzes problems of A city in management system,profitability,credit risk and policy support.The seventh chapter that combines the case of rural commercial bank of A cityputs forward suggestions for the future development of rural commercial Banks.In order to realize the long-term development of rural commercial Banks,we must start from the following two points:first,increase the scale of capital.The rural commercial Banks need to actively develop diversified businesses that meet the needs of the market and push forward the transformation and development of the corporate businesses.We will broaden the channels for financial investment and enhance mutual assistance with Internet companies and the third-party platforms.Second,maintaining relationships with existing customers and expanding new customers is important.We can strengthen customer management by strengthening customer management and establishing customer relationship management system.In addition,rural commercial Banks need government support for fiscal and taxation policies due to the particularity of rural commercial banking services.For rural commercial bank of an institutional investor in the urban areas,agricultural loans accounted for big place and service "three rural" economic,we can establish differentialrate discretion.According to the economic development of different regions,setting up the tax exemption threshold for small loans for farmers is important.