China Rural Commercial Bank Report, 2008
  • Aug/2008
  • Hard Copy
  • USD $1,700 $1,190
  • Pages:80
  • Single User License
    (PDF Unprintable)       
  • USD $1,800 $1,260
  • Code: FY070
  • Enterprise-wide License
    (PDF Printable & Editable)       
  • USD $2,700 $1,890
  • Hard Copy + Single User License
  • USD $1,900 $1,330

By the end of 2007, the total assets of China rural commercial banks have reached CNY609.67 billion, accounting for 1.16% of the total assets of banks, and the total liabilities have reached CNY576.7 billion, amounting to 1.16% of the total. Meanwhile, the value of owners' equity has stood at CNY32.96 billion; accounting for 1.09% of the total, and the post-tax profit was CNY4.28 billion, amounting to 0.96% of the total.

Total Assets & Total Liabilities of China Rural Commercial Banks, 2003-2007
(Unit: CNY100 million)

Source: China Banking Regulatory Commission

Business operation of China rural commercial banks is aimed at serving agriculture, rural areas and farmers. By the end of 2007, the outstanding loans of all rural commercial banks have reached CNY23.63 billion. In addition, China rural commercial banks are different from the majority of rural credit cooperatives, whose business operation is focused only on agriculture, rural areas and farmers, they also regard small- and medium-sized enterprises (SMEs) as their key clients to provide them with lending service. By the end of 2007, their total outstanding loans to SMEs reached CNY97.64 billion.

The total assets, liabilities and owner's equity value of China rural commercial banks continue rising, and their business operation improves gradually. The capital adequacy ratio of China rural commercial banks is also on the upward trend, but the non-performing loan ratio is on the downward trend.

The proportions of agriculture loan and small business loan of the rural commercial banks are both high, and the banks will continue to make more efforts in strengthening the development of the two kinds of loan. In December 2007, Zhangjiagang Rural Commercial Bank has obtained the approval from China Banking Regulatory Commission to be stock listed. It will be a general trend that more good quality rural commercial banks to be stock listed.

Based on the statistics of the China Banking Regulatory Commission and the State Information Center, the report makes a thorough study on the current situation, investment opportunities and risks of China's rural commercial banks, and also makes a development forecasts.

1. China Rural Financial Market 
1.1 China's Rural Financial Organization System and Its Development 
1.1.1 Formal Financial Institutions 
1.1.2 Informal Financial Institutions 
1.2 Fundraising and Existing Problems in Rural Financial Market 
1.2.1 Features of Rural Financial Service Demand
1.2.2 Rural Financial Service Demand 
1.2.3 Rural Financial Services
1.2.4 Flaws of Rural Financial Market 
1.3 Three Modes of Rural Financial Reform 
1.4 Foreign Investment in Rural Financial Market 

2. Development Characteristics of China Rural Commercial Banks 
2.1 Establishment Background 
2.1.1 Rapid Economic Growth in Prefectures and Counties 
2.1.2 Reform of Rural Credit Cooperatives 
2.2 Conditions for Establishing Rural Commercial Banks 
2.2.1 Establishment Requirements 
2.2.2 Difference between Rural Commercial Banks & Rural Cooperative Banks 
2.3 Three Growth Stages of Rural Commercial Banks 
2.3.1 First Trials of Rural Credit Cooperative System Reform 
2.3.2 Experiment of Deepening System Reform 
2.3.3 Establishment of Provincial Rural Commercial Banks 
2.4 Development of Rural Commercial Banks 
2.4.1 Regional Development Characteristics 
2.4.2 Business Characteristics 
2.4.3 Operation 
2.4.4 Competition Position in the Industry 

3. China Rural Commercial Bank Development 
3.1 Zhangjiagang Rural Commercial Bank 
3.2 Jiangyin Rural Commercial Bank 
3.3 Changshu Rural Commercial Bank 
3.4 Shanghai Rural Commercial Bank 
3.5 Beijing Rural Commercial Bank 
3.6 Shenzhen Rural Commercial Bank 
3.7 Wujiang Rural Commercial Bank 
3.8 Taicang Rural Commercial Bank 
3.9 Wujin Rural Commercial Bank 
3.10 Xizhou Rural Commercial Bank 
3.11 Kunshan Rural Commercial Bank 
3.12 Dongwu Rural Commercial Bank 
3.13 Wuhu Yangzi Rural Commercial Bank 
3.14 Hefei Science & Technology Rural Commercial Bank 
3.15 Erdos Dongsheng Rural Commercial Bank 
3.16 Chizhou Jiuhua Rural Commercial Bank 
3.17 Tianjin Binhai Rural Commercial Bank 
3.18 Jiangsu Sheyang Rural Commercial Bank 
3.19 Chongqing Rural Commercial Bank 

4. Investment Opportunity of China Rural Commercial Banks
4.1 Favorable Factors for China Rural Commercial Bank Development
4.1.1 Support of National Policies 
4.1.2 Capital Demand of New Rural Construction 
4.1.3 Strong Interest of Foreign Fund 
4.2 Investment Opportunities 
4.2.1 Filling in Gaps in Commercial Bank Market
4.2.2 Reform of Rural Credit Cooperatives 
4.2.3 Developing Small-Sum Credit Business 
4.2.4 Take the Road of Financial Modernization 

5. Summary 

Organizational Structure of China's Rural Financial System 
Assets Structure of China Banking Industry, Dec. 2007 
Distribution of Rural Commercial Banks' Outlets by Region, May 2008 
Total Assets & Total Liabilities of China Rural Commercial Banks, 2003-2007 
Changes in Owners' Equities of China Rural Commercial Banks, 2003-2007 
Outstanding Loans of Zhangjiagang Rural Commercial Bank, 2001-2007 
Outstanding Loans of Beijing Rural Commercial Bank (before Reform Included), 2003-June 2008 
Outstanding Deposits of Beijing Rural Commercial Bank (before Reform included), 2003-June 2008 
Growth of Owners' Equity of China's Rural Commercial Bank, 2003-2007 
Profit Growth of Shenzhen Rural Commercial Bank (before Reform Included), 2003-May 2008
Proportions of Agriculture Loans of Rural Commercial Bank by Region, May 2008 
Ratios of Small Business Loans of Rural Commercial Bank by Region, May 2008 
Establishment of New Rural Financial Institutions 
China Top 10 Counties, 2003-2008 
Summary of China Rural Commercial Banks
Ratios of SME Loans & Agriculture Loans of Some Banks to the Total, Dec. 2007 
Total Assets of Some Rural Commercial Banks 
Capital Adequacy Ratios of Some Rural Commercial Banks, Dec. 2007 
NPL Ratios of Some Rural Commercial Banks, Dec. 2007
Rankings of China Banks in Top 1000 Global Banks of The Banker by Tier 1 Capital, 2005-2006 
Rankings of China Banks in Top 10 Banks of Top 1000 Global Banks of The Banker by Tier 1 Capital, 2007 
Key Accounting Data of Jiangyin Rural Commercial Bank, 2006-2007 
Key Accounting Data & Indices of Changshu Rural Commercial Bank, 2005-2007 
Key Accounting Data & Indices of Wujiang Rural Commercial Bank, 2004-2007 
Key Accounting Data & Indices of Taicang Rural Commercial Bank, 2005-2007 
Key Accounting Data & Indices of Jinzhou Rural Commercial Bank, 2004-2007 
Key Accounting Data & Indices of Kunshan Rural Commercial Bank, 2004-2007
Key Accounting Data of Hefei Sci & Tech Rural Commercial Bank, 2006-2007 
Agriculture Loan Amount of China Rural Commercial Banks by Region, May 2008 
Number of Rural Outlets of China Banking Financial Institutions, July 2008 
Small Business Loan Amount of Rural Commercial Banks by Region, May 2008 

Global and China Agricultural Insurance Industry Report, 2013-2014

In 2007-2013, the risk guarantee offered by China’s agricultural insurance rose from RMB112.6 billion to RMB1.4 trillion; a total of RMB76 billion was paid to 143 million peasant households as compens...

China Currency Sorter Industry Report, 2014

Currency sorter, a kind of financial machines and tools, mainly consists of banknote sorter and coin sorter. Market demand for currency sorter in China came in full swing from 2005, and sales revenue...

China Internet Financing Industry Report,2014

Internet financing refers to the service pattern in which relevant companies carry out cooperation with financial institutions to provide customers with wealth preservation and appreciation through in...

China Financial Leasing Industry Report, 2014

Since 2013, China's financial leasing industry has continued to maintain rapid growth, with total turnover reaching approximately RMB2.35 trillion as of the end of March 2014, an increase of RMB250 bi...

China Online Lending Industry Report, 2014

With the continuous expansion of scale, China’s small and medium-sized enterprises are seeing rapid growth in capital requirements, but often shut out by large commercial banks on the grounds of unsou...

China Automatic Fare Collection (AFC) System Industry Report, 2013

Automatic fare collection (AFC) system is widely used in urban rails and high-speed railways. By the end of 2013, 19 Chinese cities had put 87 urban rail lines into operation with the operating mile...

China Automatic Teller Machine Industry Report, 2013-2016

In 2013, Chinese ATM market characterizes the followings: First, China becomes the country with the most quantity of ATM, surpassing the United States.By H1 2013, 465,600 sets of ATM had been included...

Global and China Financial POS Terminal Industry Report,2013-2016

POS (point-of-sale) machine is used for sales information collection and capital, merchandise balance recording of points of sale, associated with the settlement system of trading platform. Currently,...

China Financial Leasing Industry Report, 2013

In 2012, the financial leasing industry of China presented remarkably rapid development, with business turnover reaching RMB1.55 trillion, an increase of about RMB620 billion (66.7%) from RMB930 billi...

China City Commercial Bank Industry Report, 2012

In 2011, Chinese city commercial bank industry continued high-speed growth. In the same year, the total assets of Chinese city commercial banks amounted to RMB11.5134 trillion, with a year-on-year ris...

China Financial POS terminal Industry Report, 2011-2012

The increasingly robust domestic demand for bank card payment and the mushrooming number of merchants in the POS network boost the demand for financial POS terminals. As of the end of 2011, there had ...

Company Study of PAX Global Technology Limited, 2012

Established in 2001, PAX Global specializes in the R & D and sales of e-payment terminal products and related softwares. The business of PAX Technology covers e-payment system and POS terminal softwar...

China ATM (Automated Teller Machine) Industry Report, 2011-2012

Chinese ATM market is growing rapidly. China's number of ATM rose from 301,000 sets in 2010 to 369,000 sets at the end of 2011. The number of networked ATM was 338,000 sets in 2011, up 24.7%. Number ...

China Financial Leasing Industry Report, 2011

After the rapid development during the "Eleventh Five-Year" (2006-2010) period, China’s financial leasing industry gradually returned to reason in 2011, and achieved annual business volume of RMB 930 ...

China Banking Intermediary Business Report, 2011

In H1 2011, the operating revenue of China’s 16 listed banks reached RMB 1.09 trillion, of which intermediary business revenue amounted to RMB218.691 billion, up 45.96% YoY and sharing 20.18% of total...

China Trust Industry Report, 2010-2011

China trust industry has experienced six reformations since 1979, with the number of trust companies declining from over one thousand at the peak to 64 at present. The assets managed by Chinese trust ...

China Third-party Payment Industry Report, 2010-2013

Third-party payment refers to an Internet-based means of exchange that provides online (Internet) and offline (telephone & mobile phone) payment channels enabling user-to-merchant online payment, ...

China Rural Commercial Bank Market Report, 2010-2011

The number of rural commercial banks in China has expanded rapidly, and it had reached 85 up to the end of 2010. Chinese rural commercial banks have accelerated the development particularly in 2010 wh...

2005-2014 All Rights Reserved 京ICP备05069564号-1 京公网安备1101054484号