Rural commercial bank
Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations under their jurisdiction. At present, all rural cooperative banks should be transformed 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 legal person status of counties (cities), we will steadily promote the reform of provincial associations, and gradually build a new relationship between provincial associations and grassroots legal person society with property rights as the link, equity as the link and supervision as the constraint, and truly form a community of interests between provincial associations and grassroots legal person society. The proportion of qualified shares of rural credit cooperatives in China has dropped below 30%, and about 303 rural commercial banks and 2 10 rural cooperative banks have been established. The total assets of rural banks account for 465,438+0.4% 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 mode of rural credit cooperatives has undergone fundamental changes, the long-standing internal personnel control problem has been effectively solved, and the organization itself has formed an endogenous driving force to further promote the deep-seated institutional mechanism reform.