Research On The Feasibility And Countermeasures Of YQ Rural Commercial Bank's Listing Under The Two-level Legal Person Mechanism

In recent years,China's rural commercial banks have achieved rapid development and their role in the domestic banking industry has become increasingly important.It has promoted the rapid and stable development of the local economy and helped rural construction and agricultural development.With the entry of Beijing Bank,Nanjing Bank and Ningbo Bank into the domestic capital market in 2007,it has caused unprecedented concern among the industry on the development of rural commercial banks in China,and its good response after listing has also promoted the development of other high-quality rural commercial banks.YQ Rural Commercial Bank has experienced more than 70 years of vicissitudes,from collective ownership to shareholding cooperation,to today's shareholding system,the growth of scale,and the development of the system,making the listing naturally put on the agenda.Based on agribusiness Banks listed on the related theory and the system background after finishing analysis,the requirements of the listed commercial Banks,on this basis,the first to YQ agri-businesses Banks do introduces the basic situation and the development of the status quo,on the analysis of the two levels of corporate mechanism under YQ after the necessity of the listed agribusiness Banks,to YQ listed agribusiness bank current foundation are introduced.Second,YQ under the two levels of corporate mechanism are analyzed,the feasibility of the listed agribusiness Banks on YQ agri-businesses Banks listed on the financial environment,industry environment and the external environment,such as enterprise competition situation are analyzed,from the economy,system,management and risk regulation listed four aspects of its feasibility is analyzed,on this basis,to YQ agri-businesses Banks listed on the plan selection are analyzed,and find out the suitable for YQ agri-businesses Banks listed scheme,and puts forward YQ series problems of the listed agribusiness Banks,mainly includes the assets structure,income structure,unreasonable equity structure,and management efficiency is not high.Finally,a set of guarantee strategies suitable for YQ rural commercial bank to be listed is formulated,including optimizing the asset structure and improving the asset quality,adjusting the loan distribution and accelerating the cross-regional operation,adjusting the income structure to achieve sustainable profit,improving the equity structure and perfecting the profit balance mechanism.Through this research,it is found that the choice of listing in the New Third Board market and the cultivation of the national public company identity and private equity investment can accelerate the process of incubation,growth and growth,so as to achieve better growth,and the future development space will be broader.