1. Rural commercial banks, referred to as rural commercial banks, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction.
Rural cooperative banks should all be restructured into rural commercial banks.
2. 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 grass-roots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form the same interests between provincial associations and grass-roots 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.
Third, the latest policy.
1, 2019 On May 2 1, the People's Bank of China issued the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, further refining the policy framework for implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6.
2. 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%.
3. Changchun Rural Commercial Bank Co., Ltd., formerly known as the joint business department of Changchun Rural Credit Cooperative Union, was established in June 1994 1 1. It is a first-class corporate financial institution based in the urban area, integrating deposit, loan and settlement. Under the spring breeze of the rural financial reform policy, with the careful care and strong support of the provincial association, and with the hard work of all cadres and employees, the benefit scale and asset quality have achieved unprecedented improvement. On July 29th, 2009, Changchun Rural Commercial Bank was formally established. On August 20 10, Changchun rural commercial bank changed its logo and name, and the changed bank label was "dragon" and the bank name was Changchun rural commercial bank.