2012 China Banking Industry - Top ten trends and outlook(6)

亿元，且其业务绩效也有了很好的改观。农村信用合且其业务绩效也有了很好的改观。农村信用合制完成的农商行)总资产规模为 6.5761万亿元， The reform of rural credit cooperatives has made exceeded 10 trillion yuan, the qualifications of rural作社现在正逐步转变成为农村商业银行，目的 has总实收资本为 2,149.4亿regions. At 105.6691万万作社现在正逐步转变成为农村商业银行，目的总实收资本为 2,149.4元，在在 105.6691亿元， the provincial significant progress, and the business performance institutions varied greatly across就在于能够更好的服务于农业和农村地区的发 are亿元的银行业金融机构总资产中占比 6.2%25。。就在于能够更好的服务于农业和农村地区的发亿元的银行业金融机构总资产中占比a6.2%25 also considerably improved. Rural credit cooperatives level, assets can vary from tens of billions to nearlynow being gradually transformed into rural commercial trillion yuan, and discrepancies exist in capital adequacy banks, with the purpose of better serving agriculture and ratios, non-performing loan ratios, earnings capacity, rural areas. In 2010, the total assets of rural commercial and systems and technology. By the first half of 2011,表1 2006banks was 2,767 billion yuan, which accounted for表1 20062010年中国农商行资产总额及其在中国银行业中的比例 credit cooperatives (excluding the–– 2010年中国农商行资产总额及其在中国银行业中的比例 the total assets of rural 19.53 percent of the assets of rural financial institutions assets of rural commercial banks in which restructuring

2006 2006

2007 2007

2008 2008

2009 2009

2010 2010

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Table 1. Total Assets农商行资产总额(亿元)农商行资产总额(亿元) of Rural Commercial Banks of China Proportionate to Banking Industry Assets27,670 5,038 5,038 6,097 6,097 9,291 9,291 18,661 18,661 27,670 (2006 to 2010)

占农村金融机构比例(%) )占农村金融机构比例(%22

8.35% 8.35%

8.28% 8.28%

9.93% 2006 9.93% 2007

16.45% 2009 19.53% 16.45% 19.53% 2008 20109,291 18,661 2.37% 2.37% 9.93% 1.49% 16.45% 2.37% 27,670 2.90% 2.90% 19.53% 2.90%23

China Banking RegulaTotal assets of rural commercial banks (100 million yuan) 1.16% 5,038 1.49% 6,097占银行业金融机构比例(%) )占银行业金融机构比例(% 1.15% 1.15% 1.16% 1.49% tory Commission: All Rural Cooperative Banks Will Proportion of rural financial institutions (%) 8.35% 8.28% Be Restructured as Rural资料来源：中国银监会 financial institutions of the banking industry (%) 1.15% 1.16%资料来源：中国银监会 Proportion of Commercial Banks, Financial Times, August 3, 2011, . cn/bank/GB/15317585.htm Figure 3. After-tax Profit Comparison between Rural Financial Institutions and China Banking Regulatory Commission: Qu

alification Share Proportion for Rural Credit Cooperatives Throughout China Already Dropped Below 30%, Securities Times Network, August 2, 2011, / content/2011-08/02/content_3110510.htm. Rural Finance 2011 Financial Institutions Already Have Systemized Strategy for Rural Market, China Economy Network, January 4, 2012, http:// /12/0104/ 10/7MTTP42300014JB5. html.

22银监会：农银监会全部改制为全部改金融时报，金融时 03日， 03日， http://finan http://f/bank/GB/1/bank/

23

图3农村金融机构与城市商业银行税后利润比较(2007-2010) )图3农村金融机构与城市商业银行税后利润比较(2007-2010(2007-2010)

Urban Commercial Banks

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Urban commercial banks城市商业银行城市商业银行 900900 Unit: 100,000,000 Yuan单位：亿元单位：亿元 Rural农村商业银行 commercial banks 800800农村商业银行 Average年均增长率 47%47% annual growth rate年均增长率 47% 700700 Rural农村合作银行 cooperative banks农村合作银行 600600 Rural农村信用社 credit cooperatives农村信用社 500500 400400 Average年均增长率 87% annual growth rate年均增长率 87% 87% 300300 Average annual6%6% rate 6%年均增长率 growth年均增长率 200200 Average annual年均增长率 51%growth rate 51%年均增长率 51% 100100 0 0

23银监会：全银监会资格股占比资格股下，证券时下，证 8月2日， 8月2日 http://kuai http:// content/20 conten _3110510 _3110

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24农村金融2农村金对农村市场对农村略，中国经略，中 1月4日， 1月4日 http://new http:// 04/10/7MT 04/10/ htmlhtml

25

2007 2007

2008 2008

2009 2009

2010 2010

资料来源：银监会2010年报资料来源：银监会2010年报

Data Source: China Banking Regulatory Commission 2010 Annual Report

25农信社改革农信社段省联社段省联三农直通车三农直 21日， 21日， http://info http:// com/news com/n 627385.ht 62738

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2012 China Banking Industry - Top ten trends and outlook

was already completed) countrywide was 6.5761 and enhance their overall health and capacity for

million yuan. Total paid-in capital was 214.94 billion sustainable development, the CBRC encourages rural

yuan, accounting for 6.2 percent of the total assets of commercial banks to be publicly listed. Chongqing Rural

105.6691 trillion yuan held by all financial institutions in Commercial Bank went public on the Stock Exchange

the banking industry.25of Hong Kong in December 2010, becoming the first

rural financial institution in China with its shares held

Since 2009, rural credit cooperatives that intended to by the public and attracting interest in the reform and

organize and establish as rural banking institutions development of rural financial institutions across China.27

have all chosen to reform as rural commercial banks.

This reformation is a significant change for rural credit Reform efforts are uneven across regions. Progress in

cooperatives. Rural commercial banks develop more economically developed areas and those in the remote

quickly because of clear ownership rights, standardized regions of central and west China are highly divergent,

systems, relatively advanced philosophies and more resulting in a “dualization” where certain agricultural

favorable positioning. The reform of ownership rights has regions have readily accessible financial services and

contributed to growth in assets, capi …… 此处隐藏：5608字，全部文档内容请下载后查看。喜欢就下载吧 ……