| As a joint-stock local financial institution,rural commercial bank has become an important part of China’s banking system.We can see that most rural commercial banks are restructured from regional rural credit cooperatives.Through the joint-stock system reform,the asset scale,service level and anti risk ability have been significantly improved.Comprehensively promoting the joint-stock system reform to establish regional rural commercial banks has been completed It has become an inevitable measure to ensure the smooth operation of Finance in grass-roots areas.Based on this background,this paper makes a comprehensive analysis on the restructuring of Daqing agricultural and commercial bank,mainly adopting the methods of literature research and case analysis.The paper is mainly divided into five parts: first,the necessity and driving force of Daqing Rural Commercial Bank Reform;second,the content and effect analysis of Daqing Rural Commercial Bank Reform;third,the problems to be solved after Daqing Rural Commercial Bank Reform;fourth,the suggestions for optimizing the development of Daqing Rural Commercial Bank in the future;fifth,the Enlightenment of Daqing Rural Commercial Bank Reform on China’s state-owned enterprise reform.This paper focuses on the analysis of the necessity,impetus,content and effect of the restructuring of Daqing Rural Commercial Bank,and puts forward reasonable suggestions for the problems that need to be solved after the restructuring,and finally summarizes the Enlightenment of the restructuring for the restructuring of state-owned enterprises.The innovation of this paper lies in the combination of the problems existing after the reform of Daqing Rural Commercial Bank.Although the reform work has been completed,these problems still need managers to continue to adhere to the original intention of realizing development through reform.The joint-stock system reform of Daqing Rural Commercial Bank has enhanced the scale and service level of rural grass-roots financial institutions in Daqing,effectively solved many problems in the operation and management of rural credit cooperatives,and opened a new chapter for the grass-roots financial institutions in Daqing to carry out modern management with the times.Finally,I sincerely hope that the research of this paper can provide the theory and experience that can be used for reference for the management and decision-makers in the areas where the agricultural commercial bank has not yet been restructured in China. |
