农村商业银行跨式发展探讨.doc

农村商业银行跨越式发展探讨abstract] Rural commercial banks play an increasingly important role in modern finance. It is endowed with the historical mission of supporting of agriculture, rural areas and farmers, and assuming the responsibility of the rural financial service。However， fierce market competition and complex economic situation, make rural commercial Banks have to rethink their position, seek the way to development. Changsha pilot rural commercial bank is the first rural commercial bank in Changsha, with the support of policy, it is growing well 。but there are also some problems, for example, business single, lack of innovation, the retail business is not active; Non-performing loan ratio is high, the traditional loan mode ,lack of effective risk control; Lack of excellent talents, blocking long-term development. Aiming at a series of problems, changsha pilot rural commercial bank should make full use of their own geographical advantage, as well as government support of external opportunity, then actively explore new development. On the one hand, it can carry out a variety of business and improve risk control system by using for reference the experience of other banks, on the other hand ,the bank ought to development retail business in accordance with local market ,Achieving the win-win goal of Banks and the local economy. [key words] Rural commercial bank ;development ;risk control 研究背景：时下，复杂的国内外经济金融形势，激烈的市场竞争，时刻敦促银行审视自己的处境，面对不断变化的市场，农村商业银行亟待业务的转型。思考可持续发展战略的创新。同时，与农村商业银行大型国有商业银行、全国性的股份制商业银行以及外资金融机构。大型国有商业银行已经形成了良好的竞争优势，全国性的股份制商业银行形成了机制灵活、产品创新经济优势，外资金融机构具备先进的管理体制、高素质的人才和创新能力。与之相比，农村商业银行农村商业银行发展战略的重新选择显得尤为重要近年来，中国多元化多层次的金融格局变化，在全国性商业银行层次，农村商业银行在不断发展壮大，长沙先导农村商业银行由最初的农村信用社、长沙岳麓农村合作银行步步发展而来经中国银行业监督管理委员会批准，由15家法人企业和93个自然人股东共同入股发起设立注册资本12780万元，总部设10个职能部门，全行在岗员工288人，有24个营业机构遍布先导区城乡。按照现代股份制企业制度的要求，长沙先导农村商业银行依法成立了股东会、董事会和监事会，选聘了高级管理人员，构建了法人治理结构框架。作为长沙大河西先导区第一家农村商业银行，长沙先导农村商业银行将充分发挥先导区“自己的银行”的作用和效能支持地方经济发展许多银行依赖较高的净息差获取相对多的利润 2011年商业银行新增资产分布的图（图一） 二、农村商业银行发展存在的问题 经过这些年的发展。农