Research On Rural Commercial Bank Re-transformation Under The Background Of Rural Revitalization Strategy In The New Era

To implement the strategy of revitalizing the countryside is a major decision and plan made at the 19th national congress of the communist party of China(CPC),a major historical task for finishing the building of a moderately prosperous society in all respects and building a modern socialist country in all respects.For rural commercial bank,the main force of rural finance,it is not only the main responsibility but also the development opportunity and challenge.Support rural revitalization strategy are primaiy duties of the agribusiness bank,agricultural bank must stand in the height of politics,for those routes,and in creating favorable financial product innovation,optimization measures for supporting agriculture,increasing serious risk prevention and control,ensure the agriculture bank in really play a role of the main financial support rural revitalization strategy,seek new profit growth point and revitalization strategy in the counti*y.realize its own development and breakthrough.Paper pointed out that the rural comnercial bank as a result of the rural credit cooperatives shareholding system reform has undergone a transformation of from traditional cooperatives to commercial Banks through this transformation,promote the development of the bank,but also to take off the small farmers abandon a series of problems in the process of implement the strategy of rejuvenating the country,the bank faces a transition,the pursuit of profit by simply pay attention to their own development bank,to pay attention to their own development and implementation of the revitalization of the combination of strategic transformation.This paper takes the theoretical system of socialism with Chinese characteristics as the guiding ideolosy,and draws lessons from the theoretical achievements of new institutional economics and information economics to put forward Suggestions on how rural commercial Banks can play a role in the strategic background of rural revitalization.This paper is divided into seven parts.The first part is the introduction,which mainly introduces the research object and the research significance of this paper,as well as the research status of this topic and the main innovation of this paper.The second part is the background of the rural revitalization strategy and the rural economy’s demand for finance.It mainly introduces the main content of the rural revitalization strategy and the rural economy’s demand for finance and the role of finance in the rural revitalization.The third part is the classification of rural financial institutions and their basic functions.It mainly introduces the functions of agricultural bank of China,agricultural development bank of China,rural credit cooperatives,rural commercial Banks,rural postal savings institutions and the division of labor and cooperation of rural financial institutions in the process of rural revitalization.The fourth part is the history,current situation and problems of rural finance.The results divide the development process of rural finance in China since the reform and opening up into four stages.The fifth part introduces the specific responsibilities and development status of rural commercial bank,focusing on its specific responsibilities,advantages,achievements,existing problems and reasons.The sixth part is about the measures to promote rural revitalization of rural commercial Banks in China.The seventh part is a case study,introducing the experience of NanChang rural commercial bank in the rural revitalization strategy,and drawing some important enlightenment.