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Rural commercial bank, referred to as rural commercial bank for short, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction.
Rural cooperative banks should all be restructured into rural commercial banks.
Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks.
Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the status of county (city) as a legal person, we will steadily push forward the reform of provincial associations, and gradually build a new relationship between provincial associations and grassroots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form a community of interests between provincial associations and grassroots legal entities.
The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China.
In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.
2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6.
The Notice specifies that the directional descent will be divided into three landings, and specifies the scale of the three landings. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%.
There are many rural commercial banks in various places: Beijing Rural Commercial Bank, Shanghai Rural Commercial Bank, Chongqing Rural Commercial Bank, Tianjin Rural Commercial Bank and Tianjin Binhai Rural Commercial Bank.