Are rural commercial banks state-owned or private?

1. Rural commercial banks are neither private enterprises nor state-owned enterprises. Rural commercial banks are joint-stock commercial banks.

2. Rural commercial banks were formerly rural credit cooperatives and later developed into rural commercial banks. China's rural commercial banks are joint-stock local financial institutions funded by farmers, rural industrial and commercial households, corporate legal persons and other economic organizations.

3. The original intention of establishing rural commercial banks is to extensively absorb the deposits of local farmers and use these deposits to provide financial services for local farmers, agriculture and rural economic development, improve people's livelihood and promote the coordinated development of urban and rural economies.

4. Rural commercial banks are mainly established on the basis of rural credit cooperatives and county (city) rural credit cooperatives. Rural commercial banks should ensure that the legitimate rights and interests of depositors are not infringed by any unit or individual. Rural commercial banks abide by national laws and administrative regulations, implement national financial policies, and accept the supervision and management of China Banking Regulatory Commission according to law.

First, the founding background

1. 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 all qualified shares and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the county (city) legal person status, we will steadily push forward the reform of the provincial association, and gradually build a new relationship between the provincial association and the grassroots legal person organization with property rights as the link, equity as the link and supervision as the constraint, so as to truly form the same interests between the provincial association and the grassroots legal person organization.

2. The proportion of qualified shares of 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 banking institutions account for 4 1.4% of the rural cooperative financial institutions in China. In addition, there are 1424 rural credit cooperatives that 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.

Second, the latest policy

1.2065438+On May 2, 20091,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, 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 stipulates that the directional landing will be carried out in three times, and the scale of the three landings is specified. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county-level rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%.