| The Central Committee has been focused on the "three rural" issues for fifteen years from 2004 when No.1 document of "the opinions on some policies to promote farmers to increase income" was published to 2018 that of "opinions about implement the strategy of rejuvenating the country".In the next few years,the rural economy will be the core power of our country's economic development,and the development of the rural economy needs a lot of funds,which urgently requires us to improve the rural financial system and build a perfect supporting platform for the development of the rural economy.The Rural Credit Cooperatives have been responsible for the development of "rural,agriculture and farmers".However,due to the heavy burden of history,low management efficiency and backward management system,the Rural Credit Cooperatives can not meet the development of rural economy.Since2003,the China's Rural Credit Cooperatives have began a new round of reform,and the direction has been clear.The Rural Credit Cooperatives are in the reformation to shareholding system,and eventually establish Rural Commercial Banks.Compared to the large commercial bank of the large legal person system,the County Union has a clearer service position with the legal person status,and can better support the "three rural".Therefore,the central government repeatedly stressed the legal status of the stable County Union from 2013 to2018,Based on the above background,this paper selects the Wen'an Rural Commercial Bank as the research object.It is the main force to serve the rural economy and rural finance in Wen'an.It plays an irreplaceable role in developing the rural economy and raising the income level of the farmers.Therefore,the development of the Rural Commercial Banks in Wen'an,Hebei,has a direct impact on the construction of the new socialist countryside,the modernization of agriculture and the process of urban and rural integration.Through the analysis of changes in the reform of the Rural Commercial Banks in Wen'an,We can conclude that the credit cooperatives can optimize the ownership structure and the corporate governance structure through the reform of the shareholding system,promotethe increasing operation efficiency and improve the advantages of the rural commercial banks in the financial industry of Wen'an,and there are also some shortcomings,For example,the level of technology is not high,the intensity of supporting agriculture is decreasing,and the total amount of non-performing loans is rising.Therefore,it puts forward some feasible suggestions,such as giving full play to the leadership role of the Provincial Federation of cooperatives,innovating the mode of supporting agriculture,and providing policy support for the state.This paper is divided into six parts.The main contents are as follows:The first part is the introduction,which introduces the background and significance of this study,expounds the research status at home and abroad,summarizes the research ideas and contents of the article,and expounds the research methods and innovation points in this paper.The second part introduces the related theories of rural finance: small bank advantage theory,agricultural credit subsidy theory,rural cooperative finance theory,joint-stock commercial finance theory.The third part introduces the background of the reform of the Rural Commercial Banks in Wen'an,and combines the needs of the development with the local economic environment,the humanistic environment and the social environment,and expounds the reasons for the reform.The fourth part introduces the reform process of the stock system of Wen'an Rural Commercial Banks,and analyzes the changes and effect in the system before and after the reform based on the financial indexes of the three years before and after the reform.The fifth part reveals some problems in Wen'an Rural Commercial Banks after the reform through the analysis above.The sixth part,aiming at the above problems,puts forward suggestions for further optimization and development. |
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