F Analysis Of The Effect Of The Shareholding Reform Of Rural Commercial Banks

The stockholding system reform of Chinese rural credit cooperatives was first formally generalized in 2003,and during 2009 to 2012,the reform had reached its peak.From 2006 to 2016,the number of the rural credit cooperatives had decreased from 19,348 to 1,125,and the number of the rural commercial banks had increased from 13 to 1,114.In macroscopic view,with the stockholding system reform,the rural credit cooperatives have initially established the modern bank and modern enterprise system,its corporate legal person management system has been completed to some degree,its scope of business has been broadened,and financial service in the rural areas has been improved.In microscopic view,the reform process and operating results will be different among different rural credit cooperatives.Therefore,to be accurate and specific,this paper takes the stockholding system reform of F agricultural and commercial bank as the object of the study,analyzing the institutional arrangements,business performance and supporting agriculture performance before and after the reform by the method of comparative analysis.The comprehensive performance of F rural commercial bank was analyzed by factor analysis.Through the study,the paper finds that the property rights system,the legal person management structure,management system and other aspects of F agricultural and commercial bank have been significantly improved after its reform,since its internal decision-making and operation efficiency have been enhanced.With the increasing of its capital strength,the business performance of F agricultural and commercial bank has also been increased through the optimization of three indexes-security,liquidity and profitability.As for supporting agriculture performance,the proportion of supporting agriculture loans of F agricultural and commercial bank have been declined,but it is still higher than other banks of agriculture and commerce in the same area,and there is obvious growth in the availability of loans,the inventory of agricultural loans,and village and township service outlets.As a whole,the overall comprehensive performance of F rural commercial bank has improved rapidly.Thus,the stockholding system reform of F rural commercial bank is successful overall.From three aspects of internal governance,business philosophy and business innovation,this paper sums up the successful experience of the stockholding system reform of F rural commercial bank.The innovation of this paper is mainly reflected in: the selection of the topic is relatively new,the case is fairly typical,and the assessment indicator system is in line with the development of the rural commercial bank.