Rural commercial banks are joint-stock rural commercial banks established by local rural credit cooperatives. According to the relevant regulations of the People's Bank of China, the proportion of the largest investor shall not exceed 20%, so such banks often have multiple investors with similar investment proportions. The largest shareholder of Nanchang Rural Commercial Bank is Taihao Group Co., Ltd., with a capital contribution of 99138,300 yuan. The second largest shareholder is Jiangxi Huiren Group Pharmaceutical Research and Sales Co., Ltd., with a capital contribution of 94,848,600 yuan.
1. Rural commercial banks are state-owned. Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations. But the big stocks are still at home. Generally speaking, rural commercial banks are reformed from rural credit cooperatives. Local evaluation of rural credit cooperatives and deposits and loans can be applied if they reach certain indicators. In some places, the economy developed rapidly, rural credit cooperatives faltered, and then they were transformed into joint-stock commercial banks, that is, rural commercial banks, which were responsible for their own profits and losses.
Second, the characteristics
1. First, the loan approval authority of rural commercial banks is independent, and most loans are made by rural commercial banks. However, rural commercial banks are small banks after all, and their risk management measures are not perfect enough, which is prone to bad debts. 2. Second, the scale of rural commercial banks is small. Except for those rural commercial banks in municipalities directly under the central government and economically developed cities, the assets of rural commercial banks in other county-level cities are generally only a few billion. Once a large loan loss or run occurs, it is difficult to guarantee normal operation; 3. Third, the management level of rural commercial banks is limited. Rural commercial banks, which occupy a corner, can't compare with large banks in talent, system and fund management.
3. China Rural Credit Cooperatives (hereinafter referred to as Rural Credit Cooperatives, English name: Rural Credit Cooperatives) is a rural cooperative financial institution established with the approval of the People's Bank of China. It is composed of members' shares, implements democratic management, and mainly provides financial services for members.
China Rural Credit Cooperative is an independent enterprise legal person and is responsible for its debts with all its assets. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.